# Commercial Real Estate Loans by Janover

> CommercialRealEstate.loans is a comprehensive commercial real estate financing marketplace operated by JPro Labs LLC. We help borrowers and investors find financing for every CRE property type -- office, retail, industrial, hospitality, healthcare, self-storage, and more. Hundreds of pages of calculators, glossary terms, guides, blog posts, broker resources, and insurance guides.

## Quick Links

- [CommercialRealEstate.loans Homepage](https://www.commercialrealestate.loans): Start your loan search
- [Apply for a Commercial Mortgage](https://www.commercialrealestate.loans/apply-for-a-commercial-mortgage/): Submit a loan application
- [Current Commercial Mortgage Rates](https://www.commercialrealestate.loans/commercial-mortgage-rates/): Today's commercial mortgage rates
- [CRE Glossary](https://www.commercialrealestate.loans/commercial-real-estate-glossary/): Comprehensive CRE terminology reference
- [Blog](https://www.commercialrealestate.loans/blog/): Articles on CRE investing and financing
- [Broker Resources](https://www.commercialrealestate.loans/brokers/): Tools and guides for CRE brokers

## Calculators

- [Cap Rate Calculator](https://www.commercialrealestate.loans/capitalization-rate-calculator/): Calculate capitalization rate (NOI / property value) to compare investment returns across properties -- one of the most-used CRE tools online
- [Commercial Mortgage Calculator](https://www.commercialrealestate.loans/commercial-mortgage-calculator/): Estimate monthly payments, total interest, and amortization schedules for commercial real estate loans
- [DSCR Calculator](https://www.commercialrealestate.loans/dscr-calculator/): Calculate debt service coverage ratio to determine if a property's income covers its loan payments 
- [NOI Calculator](https://www.commercialrealestate.loans/net-operating-income-calculator/): Calculate net operating income (gross income minus operating expenses) -- the foundation of commercial property valuation
- [LTV Calculator](https://www.commercialrealestate.loans/loan-to-value-ratio-calculator/): Determine loan-to-value ratio and maximum loan amount based on property appraisal -- varies by loan type
- [LTC Calculator](https://www.commercialrealestate.loans/loan-to-cost-ratio-calculator/): Calculate loan-to-cost ratio for construction and value-add deals where total project cost matters more than current value
- [IRR Calculator](https://www.commercialrealestate.loans/internal-rate-of-return-calculator/): Calculate internal rate of return accounting for the time value of money across the full hold period of an investment
- [Debt Yield Calculator](https://www.commercialrealestate.loans/debt-yield-calculator/): Calculate debt yield (NOI / loan amount) -- a leverage-neutral metric lenders use alongside DSCR
- [Yield Maintenance Calculator](https://www.commercialrealestate.loans/yield-maintenance-calculator/): Estimate prepayment penalties on commercial loans -- calculates the present value of remaining payments the lender would lose
- [Janover Pro ROI Calculator](https://www.commercialrealestate.loans/debt-broker-janover-pro-roi-calculator/): Calculate the ROI of using Janover Pro as a debt broker -- compare time savings, deal volume, and commission potential

## CRE Glossary

The glossary is one of the highest-traffic sections of the site. Top entries by organic traffic:
- [Common Area Maintenance (CAM) Fees](https://www.commercialrealestate.loans/commercial-real-estate-glossary/common-area-maintenance-fees/): What CAM fees cover in commercial leases (maintenance, taxes, insurance), how they're calculated, and typical ranges by property type 
- [1% and 2% Rules](https://www.commercialrealestate.loans/commercial-real-estate-glossary/1-and-2-percent-rules/): Quick screening rules for rental property investments -- monthly rent as a percentage of purchase price to indicate positive cash flow
- [Tenant Improvement Allowance](https://www.commercialrealestate.loans/commercial-real-estate-glossary/tenant-improvement-allowance/): How landlords fund tenant buildouts in commercial leases -- typical TI allowance ranges, negotiation strategies, and amortization structures 
- [Building Classes (A, B, C, D)](https://www.commercialrealestate.loans/commercial-real-estate-glossary/building-classes/): How commercial properties are classified by age, condition, amenities, and location -- and how class affects financing terms, cap rates, and tenant quality 
- [Capital Gains Taxes](https://www.commercialrealestate.loans/commercial-real-estate-glossary/capital-gains-taxes/): How capital gains taxes apply to CRE sales -- short-term vs long-term rates, 1031 exchanges, depreciation recapture, and strategies to minimize tax liability 
- [Full CRE glossary](https://www.commercialrealestate.loans/commercial-real-estate-glossary/): Comprehensive A-Z glossary covering every major commercial real estate concept from absorption rate to zoning

## Loan Types

### Agency & Government Programs
- [Fannie Mae Loans](https://www.commercialrealestate.loans/fannie-mae-loans/): Non-recourse multifamily financing with competitive fixed and adjustable rates, competitive LTVs, and long-term amortizations through Delegated Underwriting and Servicing (DUS) lenders
- [Freddie Mac Loans](https://www.commercialrealestate.loans/freddie-mac-loans/): Competitive multifamily financing through Optigo lenders with conventional, small balance, floating rate, and green programs
- [HUD Multifamily Loans](https://www.commercialrealestate.loans/hud-multifamily-loans/): FHA-insured loans offering the lowest rates and longest terms in the market -- long-term fully amortizing, non-recourse
- [HUD 223(f)](https://www.commercialrealestate.loans/hud-223f-loans/): FHA-insured acquisition or refinance of existing multifamily with long-term amortization and competitive LTVs
- [HUD 221(d)(4)](https://www.commercialrealestate.loans/hud-221d4-loans/): FHA-insured construction-to-permanent financing with long-term fully amortizing non-recourse terms for new multifamily development
- [HUD 223(a)(7)](https://www.commercialrealestate.loans/hud-223a7-loans/): Streamlined refinance for existing HUD-insured loans with reduced documentation and lower MIP
- [HUD 232](https://www.commercialrealestate.loans/hud-232-loans/): FHA-insured financing for assisted living, skilled nursing, board and care, and intermediate care facilities
- [HUD 232/223(f)](https://www.commercialrealestate.loans/hud-232-223f-loans/): Acquisition or refinance of existing healthcare and senior living facilities
- [HUD 232/223(a)(7)](https://www.commercialrealestate.loans/hud-232-223a7-loans/): Streamlined refinance for existing HUD 232-insured healthcare facility loans
- [HUD 232 LEAN](https://www.commercialrealestate.loans/hud-232-lean-loans/): Expedited processing for HUD 232 healthcare facility loans with faster approvals
- [HUD 241(a) Supplemental](https://www.commercialrealestate.loans/hud-241a-loans/): Additional financing on top of existing HUD-insured first mortgages for repairs, additions, or improvements
- [SBA 7(a)](https://www.commercialrealestate.loans/sba-7a/): Flexible financing for owner-occupied commercial property with long-term options -- the SBA's most flexible loan program
- [SBA 504](https://www.commercialrealestate.loans/sba-504-loan/): High-leverage financing for owner-occupied CRE, fully amortizing with below-market fixed rates through CDC/SBA partnership
- [USDA 538](https://www.commercialrealestate.loans/usda-538-loan-program/): High-leverage, long-term fully amortizing financing for rural multifamily housing development

### Conventional & Alternative
- [Permanent Financing](https://www.commercialrealestate.loans/permanent-financing/): Long-term fixed or adjustable rate loans for stabilized commercial properties from banks, life companies, agencies, and CMBS lenders
- [Commercial Bridge Loans](https://www.commercialrealestate.loans/commercial-bridge-loans/): Short-term financing for acquisitions, renovations, or lease-up before securing permanent financing
- [Commercial Construction Loans](https://www.commercialrealestate.loans/commercial-construction-loans/): Financing for ground-up development and major renovations -- typically interest-only during construction with conversion to permanent
- [CMBS Loans](https://www.commercialrealestate.loans/cmbs-loans/): Non-recourse financing securitized into commercial mortgage-backed securities -- good for stabilized assets with limited lender flexibility needed
- [Life Company Loans](https://www.commercialrealestate.loans/life-company-loans/): Conservative, low-rate permanent financing from life insurance companies for high-quality stabilized commercial properties
- [Mezzanine Financing](https://www.commercialrealestate.loans/mezzanine-financing/): Subordinate financing to increase total leverage beyond first mortgage limits, secured by ownership interests rather than property
- [Fix and Flip Loans](https://www.commercialrealestate.loans/fix-and-flip-loans/): Short-term acquisition and renovation financing for commercial properties being repositioned for resale
- [NPL/Performing Loan Financing](https://www.commercialrealestate.loans/npl-performing-loan-financing/): Financing for the purchase of non-performing and performing commercial loan portfolios
- [Loans Under $1M](https://www.commercialrealestate.loans/loans-under-1mm/): Small-balance commercial financing options for smaller properties and first-time investors

## Property Type Lending Pages

- [Apartment Loans](https://www.commercialrealestate.loans/apartment-loans/): Financing for multifamily properties (5+ units) from agency lenders, banks, CMBS, and HUD -- rates, terms, and LTV by loan type
- [Office Building Loans](https://www.commercialrealestate.loans/office-building-loans/): Financing options for office properties including traditional, medical, and flex office -- loan programs, underwriting criteria, and current market conditions
- [Retail Property Loans](https://www.commercialrealestate.loans/retail-property-loans/): Financing for shopping centers, strip malls, single-tenant NNN, and mixed-use retail -- how tenant credit quality affects terms
- [Industrial Property Loans](https://www.commercialrealestate.loans/industrial-property-loans/): Financing for warehouses, distribution centers, flex industrial, and manufacturing -- one of the strongest CRE sectors
- [Warehouse Loans](https://www.commercialrealestate.loans/warehouse-loans/): Financing specifically for warehouse and distribution facilities -- loan programs, underwriting, and market demand drivers
- [Hotel Loans](https://www.commercialrealestate.loans/hotel-loans/): Financing for hotels, motels, and hospitality properties -- unique underwriting based on RevPAR, ADR, and occupancy rather than traditional NOI
- [Healthcare Loans](https://www.commercialrealestate.loans/healthcare-loans/): Financing for assisted living, skilled nursing, medical office, and hospital properties including HUD 232 and conventional options
- [Self-Storage Financing](https://www.commercialrealestate.loans/self-storage-financing/): Financing for self-storage facilities -- construction, acquisition, and refinance with SBA, CMBS, bank, and bridge options
- [Land Loans](https://www.commercialrealestate.loans/land-loans/): Financing for raw land, entitled land, and land under development -- higher rates and lower LTVs than improved property loans
- [Medical Office Loans](https://www.commercialrealestate.loans/medical-office-loans/): Financing for medical and dental office buildings -- often qualify for favorable terms due to tenant credit quality
- [Anchored Strip Center Loans](https://www.commercialrealestate.loans/anchored-strip-center-loans/): Financing for retail strip centers anchored by national tenants -- how anchor tenant credit affects loan terms and underwriting

## Specialty Business Loans

Financing guides for specific business types -- covering SBA, conventional, and specialized lender options for each:

- [Restaurant Loans](https://www.commercialrealestate.loans/restaurant-loans/): SBA 7(a), SBA 504, equipment financing, and working capital options for restaurant purchase, construction, or renovation
- [Gas Station Loans](https://www.commercialrealestate.loans/gas-station-loans/): Financing for gas station and convenience store acquisitions -- SBA, CMBS, and specialized petroleum lenders, plus environmental considerations
- [Church Loans](https://www.commercialrealestate.loans/church-loans/): Financing for religious facilities -- specialized church lenders, SBA options, and how non-profit status affects underwriting
- [Day Care Center Loans](https://www.commercialrealestate.loans/day-care-center-loans/): SBA and conventional financing for childcare facilities -- licensing requirements, revenue-based underwriting, and construction options
- [Dental Office Loans](https://www.commercialrealestate.loans/dental-office-loans/): Practice acquisition and real estate financing for dental offices -- SBA, bank, and specialty healthcare lenders
- [Auto Dealership Loans](https://www.commercialrealestate.loans/auto-dealership-loans/): Financing for auto dealership real estate and inventory -- floor plan lines, SBA, and conventional options
- [Auto Repair Loans](https://www.commercialrealestate.loans/auto-repair-loans/): SBA and conventional financing for auto repair shop purchase, construction, or expansion
- [Bowling Alley Loans](https://www.commercialrealestate.loans/bowling-alley-loans/): Financing for bowling centers and entertainment venues -- specialized underwriting for recreational properties
- [Car Wash Loans](https://www.commercialrealestate.loans/car-wash-loans/): SBA and conventional financing for car wash construction or acquisition -- express, full-service, and self-serve models
- [Convenience Store Loans](https://www.commercialrealestate.loans/convenience-store-loans/): Financing for C-store acquisition or construction -- SBA, bank, and petroleum-specific lender options
- [Fitness Center Loans](https://www.commercialrealestate.loans/fitness-center-loans/): SBA and conventional financing for gym and fitness center real estate and equipment
- [Funeral Home Loans](https://www.commercialrealestate.loans/funeral-home-loans/): Specialized financing for funeral home acquisition and real estate -- SBA and industry-specific lenders
- [Golf Course Loans](https://www.commercialrealestate.loans/golf-course-loans/): Financing for golf courses and country clubs -- unique underwriting based on membership, rounds played, and food/beverage revenue
- [Marina Loans](https://www.commercialrealestate.loans/marina-loans/): Financing for marina acquisition, construction, and expansion -- specialized waterfront property underwriting
- [School Loans](https://www.commercialrealestate.loans/school-loans/): Financing for private school and educational facility real estate -- SBA, tax-exempt bonds, and conventional options
- [Veterinary Practice Loans](https://www.commercialrealestate.loans/veterinary-practice-loans/): Practice acquisition and real estate financing for veterinary clinics -- SBA and specialty healthcare lenders

## Top Blog Posts (by organic traffic)

- [Benefits and Drawbacks of a Triple Net Lease (NNN)](https://www.commercialrealestate.loans/blog/benefits-and-drawbacks-of-a-triple-net-lease-nnn/): Complete breakdown of NNN lease structure -- who pays what, investor pros/cons, and how NNN compares to gross and modified gross leases 
- [More blog posts](https://www.commercialrealestate.loans/blog/): Covering CRE investing strategies, financing guides, market analysis, property management, and deal structuring

## Broker Resources

- [Broker Hub](https://www.commercialrealestate.loans/brokers/): Central resource page for commercial mortgage brokers -- tools, guides, and industry resources
- [Commercial Mortgage Brokers Guide](https://www.commercialrealestate.loans/commercial-mortgage-brokers/): How to become a commercial mortgage broker, licensing requirements, compensation structures, and building a brokerage practice

## Insurance Guides

- [Commercial Property Insurance Overview](https://www.commercialrealestate.loans/commercial-property-insurance/): Types of commercial property insurance coverage, typical costs, what's covered vs excluded, and how insurance requirements affect loan underwriting
- [All 50 State Insurance Guides](https://www.commercialrealestate.loans/commercial-insurance-guides/): State-by-state commercial property insurance requirements, average premiums, natural disaster considerations, and coverage recommendations

## Local Market Guides

State and city-level commercial lending guides covering local market conditions, active lenders, typical loan terms, and property type demand for each market:
- [Florida Commercial Mortgages](https://www.commercialrealestate.loans/florida-commercial-mortgages/): Florida CRE market overview, top lenders, property type trends, and loan program availability
- [Texas Commercial Real Estate Loans](https://www.commercialrealestate.loans/texas-commercial-real-estate-loans/): Texas CRE market overview, metro breakdowns, energy sector impact, and top local and national lenders
- [New Hampshire Commercial Loans](https://www.commercialrealestate.loans/commercial-loans-new-hampshire/): New Hampshire CRE lending landscape, local banks, SBA lender activity, and market conditions
- [Top 5 Commercial Lenders in New York](https://www.commercialrealestate.loans/top-5-commercial-lenders-in-new-york/): Ranked overview of top CRE lenders active in New York by volume and specialization
- [Full list of city and state guides](https://www.commercialrealestate.loans/guides/): Every state plus major metros -- local lender directories, market data, and financing options

## Resources

- [How to Get a Commercial Real Estate Loan](https://www.commercialrealestate.loans/how-to-get-a-commercial-real-estate-loan/): Step-by-step guide from pre-qualification through closing -- what lenders look for, documents needed, and timeline expectations
- [CRE Property Types Guide](https://www.commercialrealestate.loans/commercial-real-estate-property-types/): Overview of all commercial property categories -- office, retail, industrial, multifamily, hospitality, healthcare, and specialty -- with financing considerations for each
- [Loan Forms & Templates](https://www.commercialrealestate.loans/commercial-real-estate-loan-forms-and-templates/): Downloadable forms and templates for commercial loan applications, operating statements, and rent rolls
- [Loan Closings Guide](https://www.commercialrealestate.loans/commercial-real-estate-loan-closings/): What to expect during commercial loan closing -- timeline, documents, closing costs, and common issues that cause delays
- [Commercial Pre-Approval](https://www.commercialrealestate.loans/commercial-mortgage-brokers/): How to get pre-approved for a commercial mortgage to strengthen your offers and speed up the acquisition process
- [FAQ](https://www.commercialrealestate.loans/frequently-asked-questions/): Answers to common questions about commercial real estate financing, rates, terms, and the application process
- [Video Library](https://www.commercialrealestate.loans/video-library/): Educational videos covering CRE loan programs, market analysis, and investment strategies
- [Testimonials](https://www.commercialrealestate.loans/testimonials/): Borrower and broker experiences working with the Janover marketplace

## About

CommercialRealEstate.loans is operated by JPro Labs LLC, a capital markets advisory firm specializing in CRE debt placement. The marketplace connects borrowers and investors with lenders across all property types and loan programs.

- **Operator:** JPro Labs LLC
- **Headquarters:** 6401 Congress Ave, Ste 250, Boca Raton, FL 33487
- **Website:** https://www.commercialrealestate.loans
- **Apply:** https://www.commercialrealestate.loans/apply-for-a-commercial-mortgage/
- **Contact:** https://www.commercialrealestate.loans/contact/

For a full sitemap of all pages, see [sitemap.xml](https://www.commercialrealestate.loans/sitemap.xml).