Market Insights articles
Every Finance Lobby article on market insights, newest first.
The Lowest Rate Is the Quote Most Borrowers Pick. The Fee Is Why It Often Costs More.
Quote A saves $18,745 a year in payments. Quote B saves $37,500 in fees. A $5M example shows why the lowest rate only wins if you hold long enough.
Everyone Asks for Non-Recourse. The Carve-Outs Decide What You Actually Owe.
Recourse vs non-recourse is the wrong question. On a $10M loan, one carve-out moves your personal exposure from $0 to $3M. Here is what to negotiate.
Everyone Is Comparing the Rate. The Prepayment Clause Decides What Your Loan Costs.
Everyone compares the rate. On a $10M loan, a 100 bp rate drop saves $75K a year with a step-down and costs $1.68M to act on with yield maintenance.
Everyone Is Watching the Fed's October Meeting. The Ten-Year Already Raised Your Rate.
The Fed raised 25 bps. The 10-year Treasury rose 33 bps in eight days. Why the long end, not the October meeting, is what sizes a fixed commercial loan.
CMBS Delinquency Is Flat. Special Servicing Just Hit a 13-Year High.
CMBS delinquency fell to 7.85% in August while special servicing hit 11.42%, a 13-year high. Why the second number predicts what comes next.
Your Lender Is Not Using Your NOI
Lenders normalise your operating statement before calculating coverage. The four adjustments, what each one costs in loan proceeds, and which you can argue.
DSCR Is Almost Never the Number That Sizes Your Loan
Lenders run three tests and fund the smallest answer. Worked numbers showing when DSCR binds, when LTV does, and where the proceeds actually come from.
Your Comps Are a Report on Supply That Already Landed.
Concessions and soft rents describe units that already delivered. Multifamily starts are down a third and office construction is down 87 percent from peak.
Two Lenders Quote 1.25x. One of Them Is Lending You 20 Percent More.
At 1.25x coverage and a 6 percent coupon, interest only supports 20 percent more loan than 30 year amortization. The denominator does the sizing.
Private Lending in Commercial Real Estate: How It Works and When It Beats a Bank
Private lenders wrote 38% of non-agency CRE loans in Q2 2026, more than banks. Here is how private lending works, what it costs, and when it is the right call.
Your Rate Went Down. Your Loan Got Smaller.
Spreads tightened in 2026 and lenders still cut proceeds. Here is why the DSCR and debt yield tests, not the rate, decide how much your property can borrow.
Commercial Real Estate's 2026 Refinancing Wall: The Rate Was Never the Hard Part
An estimated $875B in commercial real estate loans comes due in 2026. See why the equity gap, not the rate, is stalling refinances.
How to Find Commercial Real Estate Comparables for Your Deal
How to find, compare, and use commercial real estate comps. What sale and rent comparables tell you, how to build a defensible comp set, and how to put it straight into your deal memo and underwriting.
How Commercial Lenders Get Matched to Deals That Fit Their Box
Set your lending criteria once and Finance Lobby sends you commercial real estate deals that match your programs, assets, geography, and loan size. See how the Lending Box works.
How to Find the Right Commercial Real Estate Lender for Your Deal
Discover lenders, bring in the ones you already work with, and reach the right one for each deal. See how to put your deal in front of 13,000+ active lenders on Finance Lobby.
What FinCEN's New Real Estate Reporting Rule Means for Residential Real Estate Investors
How will new real estate rules reshape investing? Learn about new guidance to see the future of residential investments.
Is the Surge in Commercial Property Insurance Rates Losing Steam?
Are stabilizing insurance rates good news for real estate in 2024?
How Softbank's Masayoshi Son Lost $14.4B on WeWork
Is the future of office space changing? SoftBank's $14.4B loss on WeWork reflects shifts in work culture and real estate dynamics.
Blackstone Poised as Top Contender in Signature Bank's Property Loan Auction
Is Blackstone Inc. set to acquire Signature Bank's $17B loan portfolio? Learn about the FDIC's asset sale and its impact on real estate.
July's Cushman and Wakefield Report Affirms the Industrial Real Estate Sector's Strong Cashflow Potential
Curious about the latest Cushman & Wakefield report? Learn how it impacts industrial real estate's potential for brokers and lenders
Six Major Cities Forecast to See a Significant Plunge in Commercial Real Estate Values by 2025
Are we ready for a 2025 plunge in commercial real estate values in six major cities? Find out why Capital Economics thinks we're on the edge.
Family Office Real Estate Trends 2024 and Beyond: A New Era of Investment
How will family office real estate evolve in 2024 and beyond? Find out in the latest report from the Finance Lobby CRE Insights Blog.
Office Values to Drop 35% by late 2025, Recovery Unlikely Before 2040, Capital Economics Forecasts
Will the office value drop worsen? Uncover the 35% slump forecast by 2025 and the challenges in office spaces rebound.
Alzheimer Care Property Loans: Financing Solutions for Commercial Real Estate
Working on loans for Alzheimer care properties? Explore loan options and resources for commercial real estate brokers and lenders.
Digital Toolkit for Commercial Mortgage Brokers
Commercial mortgage brokers have always depended on educated guesswork during the early stages, but specific digital toolkits have arisen as a disruptive answer for the time-consuming process. It is now more crucial than ever to use the correct technologies to enhance efficiency because the market for mortgage brokering services is expected to continue to climb shortly.
Multifamily Loan Underwriting: 6 Essential Steps
Learn the basics of multifamily loan underwriting with this easy guide. Get tips on how to streamline the process and get your loans approved quickly
Commercial Mortgage Broker New Year's Resolutions - 2022
This year has been a big one across the CRE financing sector. Here are 4 resolutions that can help a commercial mortgage broker this year.
Why CRE Lenders Should Care About Sustainable Buildings
The real estate industry is starting to focus on sustainable buildings, and for good reason. Here's why CRE lenders should be paying attention.
Forbearance: Grin and Forbear It?
Learn about the ramifications of extended forbearance, it's effect on the CRE market, and what might happen when all forbearances expire.