Buying space for your business or adding a property to your portfolio comes down to the property type, the loan amount, the timeline, and the parts of the deal a lender is likely to question.
You may be buying space for your business, adding another property to your portfolio, or trying to close before a seller moves on. Each of those changes what a lender will focus on.
We start by looking at the property type, the loan amount, the timeline, and the parts of the deal a lender is likely to question. Owner-occupied purchases can fit SBA or conventional programs. Investment purchases depend on the income and the property. A tight closing date changes which lenders can realistically get there.
The goal of the first conversation is simple: figure out which financing path fits before you spend money on reports, appraisals, or legal work.
