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Commercial Mortgage Solutions | BD Mortgage Group | NMLS 1636013

Commercial Mortgage Solutions Built for Your Business

Financing options for multi-family properties, office buildings, retail spaces, and more. Fast approvals with competitive rates.

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Choose your loan type to begin the application process. Our team will review your information and contact you within 24 hours.

🏡 Refinance Land Owned

Already own your property? Refinance to get better rates, pull out equity, or restructure your existing commercial mortgage.

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🏢 Purchase Property

Ready to acquire a new commercial property? Get pre-qualified for financing to make your purchase offer more competitive.

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Commercial Financing Options

Tailored solutions for every type of commercial real estate investment

🏢 Multi-Family Properties

Competitive financing for apartment buildings, condos, and residential complexes. Up to 80% LTV with terms from 5-30 years.

🏪 Retail & Office Buildings

Flexible loan structures for retail centers, strip malls, and office properties. Non-recourse options available for qualified borrowers.

🏭 Industrial & Warehouse

Specialized financing for distribution centers, manufacturing facilities, and warehouse properties with competitive interest rates.

🏨 Hospitality Properties

Custom loan programs for hotels, motels, and resort properties. Experience with flagged and independent properties.

💼 Bridge Loans

Short-term financing solutions for property acquisitions, renovations, or transitional periods. Quick closings in as little as 2 weeks.

🔄 Refinancing

Lower your rate, pull out equity, or restructure your existing commercial mortgage with our streamlined refinance process.

Commercial Mortgage Calculator

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Important: This calculator provides estimates only and does not constitute a loan offer or guarantee of terms. Actual rates, payments, and terms may vary based on property type, borrower qualifications, market conditions, and lender requirements. Additional costs such as property taxes, insurance, HOA fees, and other expenses are not included. Contact BD Mortgage Group for a personalized quote.

Frequently Asked Questions

Everything you need to know about commercial mortgages

We finance a wide range of commercial properties including multi-family apartments, office buildings, retail centers, industrial warehouses, hotels, mixed-use developments, and special purpose properties. Each property type has specific requirements and loan programs designed to meet unique financing needs.
Our minimum loan amount typically starts at $500,000 for commercial properties. We specialize in loans ranging from $500,000 to $50 million, with the ability to handle larger transactions through our network of institutional lenders. The specific amount depends on property type, location, and borrower qualifications.
The timeline varies based on the complexity of the transaction. Simple refinances can close in as little as 30 days, while purchase transactions typically take 45-60 days. Bridge loans and special situations can often be completed in 2-3 weeks. We provide pre-qualification within 48 hours and work diligently to meet your closing deadlines.
Required documents include: personal and business tax returns (last 2-3 years), personal financial statement, rent roll and operating statements for the property, property insurance information, purchase agreement (for acquisitions), and business formation documents. Additional documentation may be required based on the specific property and transaction structure.
While requirements vary by lender and loan program, most commercial mortgages require a minimum credit score of 650-680. However, the property's cash flow and debt service coverage ratio are often more important than personal credit. We work with borrowers across the credit spectrum and can identify programs that fit your unique situation.
DSCR measures a property's ability to cover its debt obligations from operating income. It's calculated by dividing the property's net operating income (NOI) by the annual debt service. Most lenders require a minimum DSCR of 1.20-1.25, meaning the property generates 20-25% more income than needed to cover the mortgage payment. Higher DSCR ratios can qualify for better terms.
Most commercial mortgages include prepayment penalties to protect the lender's yield. These can be structured as yield maintenance, defeasance, or declining prepayment penalties (such as 5-4-3-2-1). Some loans offer partial prepayment privileges, and certain bridge loans may have no prepayment penalties. We'll help you understand the prepayment terms and find options that align with your exit strategy.
Non-recourse loans limit the lender's recovery to the collateral property only, protecting your other assets. Recourse loans allow the lender to pursue your personal assets if the property doesn't cover the debt. Non-recourse loans typically require stronger properties, experienced borrowers, and may have slightly higher rates. Most commercial loans are non-recourse with standard "bad boy" carve-outs for fraud, misrepresentation, or bankruptcy.

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★★★★★ 4.9/5 Rated by 300+ Homeowners | NMLS #1636013 | Equal Housing Lender

© 2025 BD Mortgage Group LLC. BD Mortgage Group is a licensed mortgage brokerage providing home loan solutions. Home lending products are offered through BD Mortgage Group LLC, NMLS ID #1636013 (https://nmlsconsumeraccess.org), a licensed mortgage brokerage operating in Florida (FL), Georgia (GA), California (CA), Texas (TX), Virginia (VA), Maryland (MD), Washington, D.C. (DC), New Jersey (NJ), and Pennsylvania (PA). BD Mortgage Group LLC is headquartered in St. Petersburg, Florida. Loan products and services are subject to state and federal regulations and may not be available in all states. BD Mortgage Group LLC is an Equal Housing Lender. Licensed by the N.J. Department of Banking and Insurance. BD Mortgage Group LLC partners with a network of real estate professionals to provide home financing solutions. We do not directly offer real estate, title insurance, or home inspection services. Our role is to facilitate mortgage solutions tailored to our clients' needs. Equal Housing Opportunity. linktr.ee/bdmortgagegroup. All rights reserved.