All articles, page 2 of 6
Every article from the Finance Lobby blog on commercial real estate financing, lenders and markets, newest first.
Free Commercial Real Estate Comps: See the Whole Comp Set, Not a Blurred Preview
Get free CRE sales and rent comps for any property address. See every comparable in the set, map it, and drop it straight into your deal memo.
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.
Finance Lobby Now Answers to Machines. Here Is What It Exposes and What It Does Not.
Finance Lobby publishes an MCP server with nine free, read-only tools for AI agents: lender search, open deals, benchmark rates. No account, no API key.
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.
Your CRM Is Not Missing Features. It Is Missing Yesterday.
Brokers do not abandon a CRE CRM over features. They abandon it because keeping it current is a second job. What to evaluate instead of the feature list.
Nobody Loses a Deal Because a File Uploaded Slowly.
Deals do not die on upload speed. They die on the version that went stale. What lenders actually ask for, and how to keep one set of documents current.
Your Deal Did Not Fail Underwriting. It Failed a Question Nobody Asked.
Under five units, the classification decides the loan before any ratio does. What a business purpose loan is, who confirms it, and why lenders now filter on it.
How to Compare Commercial Loan Quotes Side by Side (Without Missing the Real Cost)
The lowest rate is often the most expensive quote. Here is how to compare commercial loan terms properly, and what to normalize before you pick a lender.
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.