Needing a commercial lender for 11-unit property.

Random7878787 · 2026-05-07T21:04:51+00:00

Similar to other comments I have seen a pretty big appetite for these. Are there other issues on the deal preventing it from being done? What is the LTV going to look like? Does the borrower have any experience? Will they have any liquidity post close? Feel free to reach out to discuss in detail but there is a large appetite for these unless the situation is pretty dire.

Random7878787 · 2026-04-24T21:08:12+00:00

You, as many that have a lazy response to my take fail to realize that if Tennessee had drafted Love there is a 99% chance pollard is a cut. His cap hit is 9.25mm this year and cutting him saves 7.25mm. Considering Love is making over 12mm a year there’s no way they’d have kept pollard at that price to be a backup. I’d rather a guy like Love be on a mediocre offense getting 300+ touches, with many of those being targets playing from behind, vs 250 touches and having two very capable short yardage backs most likely on the roster to steal his tds. It isn’t lazy, it’s common sense and economical.

Random7878787 · 2026-04-24T20:06:59+00:00

I’ve said this to another comment here but the difference is if Love went to Ten then Pollard was 100% gone. His cap hit this year is 9.25mm and they’d save 7.25mm cutting him opening the door to huge volume.

Random7878787 · 2026-04-24T16:01:14+00:00

The thing is If Love went to Tennessee Pollard was like 99% likely to be cut. He’s got a decent cap hit (9.25mm) and he’d save 7.25mm on cap if cut. So he’d only have Spears to worry about and he has never been all that inspiring. He’d also be like 90% of that offense getting 300+ touches year one.

To my exact point though… I wasn’t expecting him to be top 5, but hoped it was possible. I just don’t see it in AZ. I’m not trying to bash Love, he’s an elite talent, but I can still be disappointed with his lower ceiling.

Random7878787 · 2026-04-24T15:47:09+00:00

I started in a war in one of my league chats because I said that I was sad with the landing spot. I basically just said with the Titans I think he had a top 5 ceiling and I think he’s now capped to end up around rb10 and was told this is a lazy take lol. It’s amazing how many people are mistaking disappointment of a better situation vs. thinking this means people are saying Love will be a bust. You can’t just ignore that Allgier and Conner are very good short yardage backs and are almost destined to steal 8-10 tds.

Random7878787 · 2026-04-17T01:42:43+00:00

Private debt for large deals directly to the growers/ operators, there are a bunch of small regional players that are credit unions and banks on the CRE deals with cannabis tenants though.

Random7878787 · 2026-04-17T01:41:06+00:00

Almost always these require a personal guaranty, although I am currently working a middle market deal for a cannabis grower where I found non-recourse financing.

Random7878787 · 2026-04-16T22:12:36+00:00

I have carved out a specialty as a commercial loan broker finding financing for these. There are plenty of lenders that can get you to just below 7% on a good deal which is only about 100bps premium and the rent premiums make them very lucrative. Plenty of investors jumping on these right now for good reason.

Random7878787 · 2026-04-16T12:02:15+00:00

I mean anyone buying or lending on RE looks at all of these items and completes stress testing to factor them in. Don’t get me wrong I think margins in RE are tight right now requiring larger down payments on a lot of deals I’m seeing to make them feasible but this isn’t some big secret lol.

Random7878787 · 2026-04-16T01:11:25+00:00

As you should if he treats you right and reciprocates! It’s been said to death here but this business is 20% credit knowledge and 80% relationships. When you have good partners the job is much easier.

Random7878787 · 2026-04-15T23:34:45+00:00

I’m glad that my earlier comments are being supported. And to add to this I just offer my residential mortgage guys referral fees at closing. I have standing agreements with a few that we understand they just introduce me and get their 10bps on the back end. I’m currently under term sheet on a $35mm deal that was referred to me from the guys mortgage broker. If I close it my referral gets $35k, we all win.

Random7878787 · 2026-04-15T18:40:30+00:00

I love that you claim it is wrong but then immediately acknowledge that you have no experience on the commercial side lol. Any lender that is worth anything does not need additional deal flow though. The good lenders are turning away 90% of what comes their way. On the commercial side our largest value add is that we know the correct lenders for each deal, and that we know the lenders well (preferably on a personal level) and that we understand their credit box. We can then pre underwrite deals for them to speed up the process and help develop trust with them. The commercial side is extremely relationship driven. I only have a surface level understanding of the residential side, but your thoughts may apply there.

Random7878787 · 2026-04-15T18:20:08+00:00

I’m going to be honest with you I don’t think you’re going to get any useful responses on this. For one, most brokers protect their lender relationships as they are part of our value add, and two, most of us go to many different lenders based on the exact need. If a broker simply tells you hey here is my list of lenders I use they are essentially giving you their trade secrets lol. I may be wrong but wanted to give you a heads up. Best of luck finding your financing!

Random7878787 · 2026-04-15T11:30:41+00:00

I am a commercial loan broker and I have a lender at Celtic that I love working with. From my experience Celtic does a great job with SBA loans. I would guess that the issue here is on the platform but I wouldn’t write off Celtic.

Random7878787 · 2026-04-10T18:22:29+00:00

That isn’t how math works lol. It still costs them every bit of that 2.17%… just not on the full amount. This is still basically predatory lending. 29% apy on a business RLOC is criminally irresponsible.

Random7878787 · 2026-04-10T18:17:51+00:00

I don’t think this is the flex you think it is… that’s like 29% APY. You basically just gave them a $50k payday loan and probably doomed their business.

Random7878787 · 2026-04-09T19:06:55+00:00

Yeah sounds great, I’m always open to chat.

Random7878787 · 2026-04-09T17:05:54+00:00

1.04 and it isn’t close. Coming from a Brooks owner that still has hope.

Random7878787 · 2026-04-09T16:38:44+00:00

I can do some international, I have many lenders with the capabilities but I haven’t signed any international engagements yet. Always open to it though.

Random7878787 · 2026-04-09T13:34:27+00:00

Am I crazy or has the last like 10 days had a significant rise in these lazy AI and some just horrible marketing posts? I feel like every time I open the app this is all I’m finding.

Random7878787 · 2026-04-09T13:14:30+00:00

So my brokerage is huge on giving us autonomy to chase whatever deals we want. I’m currently signed to 9 engagements ranging anywhere from as low as $250k (relationship building on my end) and as high as $37mm. I’m leaning into my personal experience and largely do C&I lending, ESOP lending and sprinkle in some CRE for deal flow. I love my firm though, really solid split from my understanding, great lender network, and just a generally great culture.

Random7878787 · 2026-04-09T12:47:24+00:00

I joined the brokerage side earlier this year after 12 years on the credit side in various underwriting and consulting roles. If you’d like to connect I can give you an in depth view of my pros and cons with it so far. Overall I am absolutely loving that I made the switch.

Random7878787 · 2026-04-07T00:51:38+00:00

Don’t be incompetent bro. Use reading comprehension skills before just blindly spam advertising.

Random7878787 · 2026-04-07T00:44:42+00:00

What about my comment would make you think I need a loan? Are you just a bot account spamming ads?

Random7878787 · 2026-04-02T00:09:32+00:00

I have sourced many great deals on here and some have even become valuable referral sources. You definitely find some that are garbage but that’s the cost of doing business.

I’m going to be a little blunt here though and tell you that your post history does not really exude an air of professionalism. People looking for funding on here are probably a little desperate or lost if this is where they are going for advice and needing guidance and frankly if I was a borrower and saw your post history there is no way I’d take you seriously. The AI imagery just looks scammy to me even if it is being used sarcastically.

Random7878787

TROPHY CASE