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Understanding commercial real estate financing means knowing how it differs from residential loans. Instead of debt-to-income ratio, commercial loans use the debt service coverage ratio. Your property's projected ROI and cash flow play a key role in loan approval and value assessment.
Loan Approval Factors:
1. Business & personal credit
2. Net worth
3. Property type & condition
4. Cash flow & market outlook
5. Location
The initial step in refinancing a commercial property is understanding its intended use.
