Commercial Real Estate Loans Arizona
Commercial real estate loans finance multi-family properties (4+ units), office buildings, retail centers, industrial properties, and mixed-use developments. Commercial lending focuses on property cash flow, market conditions, and investor experience. Todd Uzzell connects Arizona investors and developers with commercial lenders offering competitive terms. Contact Todd Uzzell at 480-330-1724 for fast pre-qualification and expert guidance.
Why Choose Commercial Real Estate Loans Arizona?
Multi-Family Financing (4+ Units)
Finance apartment buildings, condos, and other multi-unit properties. Lenders analyze property operations and income, not personal financials.
Portfolio Lenders Available
Bank portfolio lenders hold loans in-house, offer flexibility on terms, rates, and credit requirements. No sell-off to secondary market.
Flexible Terms
Commercial terms vary: 3/1, 5/1, 7/1, 10/1 ARMs or fixed 10-20+ years. Shorter terms (5-10 years) common. Interest-only options available during development.
Strong Cash Flow Focus
Commercial approval based on net operating income (NOI) and debt service coverage ratio (DSCR). Property performance matters more than personal credit.
Construction & Permanent
Finance new construction, major renovations, or stable existing properties. Some lenders specialize in construction-to-permanent for new developments.
Ready to Get Started?
Free pre-qualification in 24 hours. No obligation, no credit check needed.
Start Your ApplicationSchedule Free ConsultationFrequently Asked Questions
What's the minimum loan amount for commercial real estate?
Most commercial lenders have $250k-$500k minimum. Some portfolio lenders work with smaller amounts ($100k+). Depends on property type and lender.
How is commercial real estate financing different from residential?
Commercial focuses on property cash flow, not borrower credit. Requires detailed financial statements (rent rolls, P&L). Shorter terms, larger down payments typical.
What down payment do I need for commercial real estate?
Commercial properties typically require 20-35% down. Multi-family 20-25%, office/retail 25-30%. Strong cash flow and investor experience may negotiate lower.
Can I get commercial financing for a mixed-use property?
Yes. Mixed-use (residential + retail, office + residential) can be financed if commercial is 20%+ of property. Lenders analyze both components' cash flow.
What credit score do I need for commercial real estate?
Commercial lenders typically require 680+ credit for best rates. Some portfolio lenders flexible with 620+ if cash flow and down payment strong.
How do you calculate NOI (Net Operating Income)?
NOI = Gross Revenue - Operating Expenses. Doesn't include debt service, depreciation, or income taxes. Critical metric for commercial approval.
What is DSCR in commercial lending?
DSCR = NOI / Annual Debt Payments. Most commercial lenders require 1.2-1.5 DSCR minimum. Higher DSCR = lower risk = better terms.
How long does commercial real estate approval take?
Typically 45-60 days. Appraisal, financial analysis, and underwriting take time. Market conditions may affect timeline.
Can I get commercial financing for out-of-state properties?
Yes. Commercial lenders work nationwide. Popular for investors purchasing multi-family in lower-cost markets outside Arizona.
What documents do I need for commercial real estate?
Tax returns (3 years), financial statements, current rent roll (leases), rent history, property appraisal, property inspection, management plan, business plan.
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About Todd Uzzell
Todd Uzzell (NMLS #1525192) is a licensed Arizona mortgage lender with Starboard Financial. Specializing in commercial real estate loans arizona throughout Arizona.
Contact Todd:
Phone: 480-330-1724
Email: todd.uzzell@gmail.com