Successfully Navigating the Unknown Waters of Commercial Financing


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In today’s lending environment, rates are rising and lenders’ maximum loan-to-value ratios (LTV) are dropping. As investors shop from lender to lender, they may find that to get the lowest rate, you have to settle for a lower LTV meaning more out of pocket cost. Rates and terms do vary from lender to lender. Other lenders are maintaining higher LTVs however raising rates. The market is fluid and constantly changing.

Higher rates have a direct affect on a property’s debt service coverage ratio (DSCR). A property with a very respectable historical DSCR, could now struggle to meet current lending guidelines. With all this movement in the market, finding the right financing is becoming increasingly difficult. Shopping lender to lender is becoming increasingly time-consuming.

CommercialLoanMLS is dedicated to being your credible source of financing information and advice. We have veteran advisors and a reputable team that can match you with the best investment. If there are risks, we can help you avoid or minimize them.

The CommercialLoanMLS team at ICS Commercial Lending works with hundreds of the top financial institutions and private lenders nationwide. We identify the most favorable loans for you. We compare loan products quickly and point out lending solutions you may not have considered.

Our expansive line of loan offerings serves multifamily and other commercial real estate asset types, including but not limited to 1-4 Unit residential, 5+ unit residential, mixed-use, industrial, office and retail properties. We offer competitive permanent loan financing with no loan size limitations. When speed of execution is critical or when an investor needs more FLEXIBLE financing or a transition to permanent financing, we provide a broad spectrum of financing solutions that include bank and agency loans, FLEXIBLE fixed-rate loan options, bridge loans, new construction, rehab loans and SBA loans. Thanks to our strong financial relations with industry leading lenders, we are equipped to tackle small and large projects with varying levels of complexity.

If you are seeking expert advice and want to learn more, you can start an application or contact us today.

Got 3 minutes?  Request a custom quote today!

Provide some basic information about the property and the financing you’re seeking and through our proprietary lending platform ICSCRE we’ll provide you with the most competitive quotes available.

It’s really that simple.

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Schedule a call to discuss your loan scenario.