Small commercial
For investors stepping up from single-family: mixed-use buildings, small apartment buildings, and neighborhood retail and office.
Mixed-use
Ground-floor retail with apartments above.
5+ unit multifamily
Small apartment buildings and garden complexes.
Small office
Professional and medical office buildings for investors.
Flex & light industrial
Small-bay flex space, reviewed case by case.
What we review
Commercial underwriting leans on the property's operations: rent roll, leases, expenses, occupancy history, and the condition of the building, plus your experience operating similar assets.
- Current rent roll and copies of leases
- Trailing operating statements
- Property condition and environmental reports when required
- Business plan for vacancy, renovation, or rent growth
- Sponsor resume and financial statements
Questions
Do you lend to owner-users?
Our focus is investor-owned property. Businesses buying a building to occupy themselves are often better served by a bank or SBA program.
What size loans do you consider?
We focus on smaller commercial properties typical of Tampa Bay neighborhoods. Send the deal and we'll tell you quickly if it fits.