All articles, page 1 of 6
Every article from the Finance Lobby blog on commercial real estate financing, lenders and markets, newest first.
What Is Wholesale Commercial Lending? How It Works and Who Uses It
Wholesale commercial lending means lending to businesses and institutions, often through brokers. See who lends and how it affects your deal.
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.
Start a Commercial Real Estate Deal From WhatsApp: Send the Document, Review the Draft
Send the document on WhatsApp. A draft deal waits for your review in your pipeline.
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.
Loan-to-Cost (LTC) Explained: How Construction Lenders Size Your Loan
Loan-to-cost is the loan divided by total project cost. How construction lenders calculate LTC, how it differs from LTV, and a worked example with numbers.
Commercial Mortgage Closing Costs: What You Pay, Who Sets It, and What You Can Negotiate
What you pay to close a commercial mortgage: lender fees, reports, legal and title, rate costs and prepayment, and which ones you can negotiate.
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.
Every Deal Memo Now Shows a DSCR, and Tells the Lender Where It Came From
Every Finance Lobby deal now shows a DSCR from the best source available, labelled when estimated, and the same on the memo, share page and lender email.
Autoquoting Now Works With Pricing Calculators Behind a Login
Autoquoting can now sign in to a DSCR pricing calculator behind a login. Add the login page and credentials, test the connection, and quote from it.
How to Refinance a Commercial Property Mortgage in 2026: Sizing, Costs and Timeline
How lenders size a commercial refinance, what it costs and how long it takes, with a worked example of the refinance gap and three 2026 deals compared.
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.