Commercial Purchase Loans

Strategic Financing for Income-Producing Real Estate

Buying multifamily, mixed-use, retail, industrial, or office property is rarely a “plug-and-play” transaction. Every deal has its own profile — property type, tenant mix, lease terms, borrower experience, capital structure, and timeline.

That’s where structuring matters.

When you work with me, we don’t just submit an application to one bank and hope it fits. We analyze your deal first — then position it strategically before taking it to market.

The goal is simple:
Match your property and objectives with the right lender, structure, and long-term outcome.

How We Approach a Commercial Purchase

1. Deal Positioning First

Before we ever approach lenders, we evaluate:

Property type and income profile
Occupancy and lease stability
Purchase price vs. in-place income
Borrower liquidity and net worth
Your experience with similar assets
Timeline and exit strategy

Commercial lenders underwrite differently than residential lenders. Some prioritize DSCR, some focus on sponsor strength, others value asset class or geography.

We structure your deal so it aligns with the lenders most likely to compete for it.

2. We Take Your Deal to Market

Instead of being limited to one institution’s guidelines, we tap into a network of 3,000+ commercial lenders and 1,000+ programs, including:

National and regional banks
Local banks and credit unions
CMBS lenders
Agency (Fannie/Freddie)
SBA lenders
Debt funds
Life companies
Bridge and private capital

This competitive positioning gives you options — and leverage.

We compare:

Interest rate
Amortization
Loan-to-value
Prepayment structure
Recourse vs. non-recourse
Reserves and covenants
Timeline to close

You review structured options — not guesswork.

3. Execution Through Closing

Once you choose the best structure, I quarterback the process:

Coordinate lender communication
Manage underwriting requests
Monitor third-party reports (appraisal, environmental, etc.)
Keep timelines on track
Identify potential issues before they become delays

You’re not navigating departments or restarting files with different loan officers.

You have one advisor from intake to funding.

Property Types We Commonly Finance

Multifamily (5+ units)
Mixed-use
Retail / Shopping centers
Office
Industrial / Warehouse
Self-storage
Hospitality (case dependent)
Special-use commercial

Loan sizes typically start around $500,000+, though exceptions can apply depending on scenario.

Who This Is Best For?

Investors acquiring income-producing assets
Owner-operators purchasing business-use property
Buyers seeking competitive leverage and structure options
Sponsors who want more than one bank’s opinion

If you’re buying a stabilized asset or value-add opportunity and want strategic capital — not just a rate quote — this approach is built for you.

Why Not Just Go Direct to a Bank?

When you approach a single bank:

You get one credit box
One rate sheet
One underwriting philosophy
One set of terms

If it doesn’t fit, you start over.

When we take your deal to market, you get competition, flexibility, and structure tailored to your scenario.

Commercial lending isn’t just about approval.
It’s about positioning.

Ready to Structure Your Purchase?

If you have a property under contract — or are preparing to submit offers — let’s discuss your acquisition strategy early.

The strongest deals are structured before they hit underwriting.

Talk to Chris Butler
📞 (206) 222-5650
✉️ cbutler@barrettfinancial.com

Or submit your project details and we’ll map out next steps.