Looking to purchase or refinance your current commercial mortgage loan?

Find the right commercial loan for your business

Fill out our simple prequalification form with these supporting documents:

  • Your last month business bank statement
  • Property details and credit score
  • YTD certified financial statement
  • Income expense statement and balance sheet
Commerical Mortgage loan

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Our Specialties

Multi Family Apartments

Multifamily properties are a great way to earn an extra income and grow your real estate investment portfolio.

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Boutique Hotels

If your bank will not work with you regarding your motel loan or hotel refinance, we can help!

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We provide strategic lending options for your special purpose investment property acquisitions and/or refinances!

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Storage Facilities

The self-storage industry has plateaued and future supply growth is expected to slow considerably.

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Finance the Right Commercial Property Within Your Budget

We Specialize in Commercial Loans Your Bank Can't Get Done

At Trim Financial, we not only provide strategic lending options for your special purpose investment property acquisitions and/or refinances, but we also provide trend analysis and market updates imperative for making a prudent decision for your Commercial Real Estate investment goals.

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Why use Trim Financial for Your Commercial Deal?

As an experienced Commercial Real Estate Banker, we have an intimate understanding on how to structure a Commercial loan for both Commercial Real Estate and Business Purpose Residential properties. With a multitude of lenders and capital options available, it is important to strategically structure the finance of business assets, such as retail, multi-family, warehouse, self-storage, hospitality and office properties.

Still Have Questions?

You can quickly and easily calculate the DSCR of every commercial real estate deal.
• The debt service coverage ratio measures the ability to pay the commercial real estate property’s mortgage payments and expenses from the income generated from the commercial real estate property.
• DSCR is calculated by dividing the annual NOI: net operating income (your prospective commercial property’s income minus the commercial property’s expenses) by the annual commercial mortgage payments.

We got you covered! If you have the same NOI of $50,000 but the annual mortgage payment is $55,000, your formula will look like this: 50,000 / 55,000 = 0.90
NO GO with Negative cash flow! In this scenario your debt service coverage ratio is below 1, which means you have negative cash flow and there is not enough cash flow to pay the property’s operating expenses and still have enough remaining to pay mortgage payments. The commercial real estate property can only cover 90% of the annual commercial real estate financial debt payments.

ALWAYS BE POSITIVE! Calculate the DSCR to ensure the debt coverage ratio is greater than 1.
• If you have an NOI of $50,000 and $50,000 in annual mortgage payments, the DSCR is 1 and you are just breaking even.
• You want a DSCR greater than 1 which indicates a commercial real estate property as cash flow positive.
• Our recommendation for almost any commercial real estate deal is a minimum DSCR of 1.20.

A cap rate (short for Capitalization Rate) tells you what the market will bear. The cap rate is the market cap rate at the time you plan on executing your exit strategy, either buying, selling or refinancing. To determine the market cap rate, find the cap rates of three deals that have closed in the last 12 months.
Hotel and Hospitality examples:

9,166 SF Hospitality Building Offered at $4,000,000 at a 7.88% Cap Rate in Las Vegas, NV
11,264 SF Hospitality Building Offered at $4,175,000 at a 6% Cap Rate in Carson City, NV
9,492 SF Hospitality Building Offered at $2,790,000 at a 9.25% Cap Rate in Reno, NV
Find the average of three cap rates and that’s your market cap rate.

Most lenders of commercial apartment deals do a maximum breakeven cash flow threshold of 85%.
At Trim Financial, we prefer a breakeven occupancy point of 80% or lower.
Anything below the breakeven cash flow threshold is negative cash flow. Remember: NO GO NEGATIVE CASH FLOW!
To quickly determine how to evaluate your next commercial real estate investment, submit your information on our CONTACT PAGE.
We will have one of our knowledgeable commercial real estate professionals help you structure the best commercial loan.
Soon you will be on your way to building your positive cash flowing commercial real estate property portfolio!

Ready To Get Started?

Fill out our pre-qualification form and one of our commercial loan experts will contact you to get you started on buying or refinancing your commercial property today!