Navigating Commercial Loan Underwriting: What You Need to Know

Navigating Commercial Loan Underwriting: What You Need to Know

Commercial Loan Underwriting Process

Getting a commercial real estate loan approved starts with understanding underwriting—the lender's deep dive into your deal’s risk profile.

Key Underwriting Metrics

  • DSCR (Debt Service Coverage Ratio)
  • LTV (Loan to Value Ratio)
  • Rent Roll & Operating Statements
  • Borrower Financials & Experience

Common Roadblocks

  • Low DSCR below 1.2
  • Unstable or undocumented income
  • Poor property condition or weak market comps

Tips for Success

Have a complete and clean loan package. Include market analysis, rent comps, and backup documentation.

Want an expert to review your deal before submission? Get a free underwriting consultation.