Scaling Your Business: A Guide to Commercial Real Estate Loans with Doos Mortgage

Scale your business with a Commercial Real Estate Loan. Doos Mortgage offers flexible terms and high LTV for warehouses, offices, and retail. Secure your space now!

As your business grows, so do your space requirements. Whether you are looking to purchase a new retail storefront, move into a larger warehouse, or invest in office space, a Commercial Mortgage is the financial engine that makes it possible.

At Doos Mortgage, we specialize in helping business owners transition from renting to owning, providing the capital needed to secure your company’s future.

What is a Commercial Loan?

A commercial loan is a mortgage specifically used to purchase or refinance income-producing properties or business-owned real estate. Unlike residential loans, which focus on personal income, commercial loans are heavily weighted on the property’s ability to generate revenue and the strength of the business occupying it.

Key Features of Commercial Financing

Navigating the world of commercial lending can be complex, but we simplify the process with flexible terms tailored to your business needs:

  • Property Types: We offer financing for a wide range of assets, including office buildings, industrial warehouses, retail centers, and land for agricultural or development use.
  • Flexible Terms: Loan durations typically range from 5 to 20 years, with amortization schedules up to 25 years to keep your monthly payments manageable.
  • Interest Rate Options: Choose between fixed rates (for payment stability) or variable rates (to potentially benefit from market shifts).
  • High Loan-to-Value (LTV): Secure financing for up to 80%–85% of the property’s value, depending on the asset type and your business profile.

Why Buy Instead of Lease?

Many business owners reach a tipping point where owning their location becomes more profitable than renting. Here’s why:

  1. Build Equity: Instead of paying a landlord, your monthly payments build ownership in a tangible asset that can appreciate over time.
  2. Tax Advantages: Property owners may benefit from depreciation and interest expense tax deductions (consult your CPA for details).
  3. Stability: Eliminate the risk of sudden rent hikes or lease non-renewals that could force your business to relocate.
  4. Customization: When you own the building, you have the freedom to renovate and specialized the space to fit your exact operational needs.

What You Need to Qualify

To ensure a smooth application process, business owners should be prepared with the following:

  • Business Financials: Two years of business tax returns and profit & loss (P&L) statements.
  • Debt Service Coverage Ratio (DSCR): Lenders look for a DSCR (Net Operating Income vs. Debt Obligations) typically above 1.2x.
  • Personal Information: Credit reports and personal financial statements for all owners with 20% or more stake in the company.
  • Property Details: A recent appraisal, rent rolls (if it’s an investment property), and information on the property’s current condition.

Partner with Doos Mortgage

Commercial real estate is a major investment. At Doos Mortgage, we don’t just provide a loan; we provide a partnership. We compare rates across multiple commercial lenders to ensure you get the most competitive terms available in the market today.

Ready to expand? Contact Philip Doos today to discuss your commercial financing options!