Resources
Practical guides on commercial financing from Kelly Dutton at OneClick Commercial Funding in Phoenix. She is a broker, not a lender. These pages explain how common loan types are reviewed. They are not a commitment to lend, and terms are not guaranteed.
Guides
- Documents a commercial lender asks for before a term sheet
- How DSCR works on Phoenix apartment loans
- What lenders review on a hotel financing request
- How ground-up construction loan draws work
- How mixed-use building financing is structured
- When a commercial bridge loan fits the deal
- Owner-occupied commercial property vs an investment property
- Industrial and warehouse property loans
For program pages, start with commercial loans. To talk through a file, call (480) 363-1412.
What each guide covers
- Commercial loan documents: the property and borrower documents Kelly asks for before a lender will issue a term sheet.
- DSCR on Phoenix apartment loans: how lenders compare net operating income to the loan payment, and what a thin ratio does to loan size.
- Hotel financing: what lenders review, including trailing occupancy, ADR and RevPAR, flag and franchise, and renovation plans.
- Ground-up construction draws: inspections, interest reserves, the budget, and the takeout loan.
- Mixed-use financing: why lenders treat retail and apartment income separately, and what to show on a rent roll.
- Commercial bridge loans: when lease-up, renovation, or a fast closing calls for one, and what lenders want to see on the exit.
- Owner-occupied vs investment property: business income or rent coverage, SBA options, and what to bring.
- Industrial and warehouse loans: how lenders weigh the tenant, the lease, building specs, and owner occupancy.