Commercial Lending
Financing for commercial and multifamily real estate
Beyond residential, City First arranges financing for commercial real estate including multifamily, mixed-use, retail, office, and industrial properties through our wholesale and correspondent lending network.
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What this program offers and who it tends to fit best.
01
Mixed-use and investment
Retail, office, industrial, and mixed-use property types.
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Multifamily 5+ units
Apartment and residential income properties beyond the residential loan box.
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Owner-occupied CRE
Buildings your business operates from, including SBA-eligible scenarios.
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Bridge and permanent
Short-term repositioning and long-term hold structures.
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Deal-first structuring
Terms shaped around the property's income and business plan.
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One team, many lenders
Your request is matched across a network instead of a single balance sheet.
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Full picture, one contact
Residential and commercial needs handled under one roof.
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Practitioner guidance
Work with professionals who structure these transactions every day.
frequently asked questions
Common questions about this loan program.
Commercial lending covers property types that fall outside residential guidelines, including apartment buildings of five or more units, mixed-use buildings, retail centers, office space, industrial and warehouse property, and owner-occupied buildings your business operates from. Property eligibility varies by lender and by market.
A residential mortgage is underwritten primarily on the borrower's personal income and credit. A commercial loan is underwritten primarily on the property itself, specifically its income, operating expenses, and the business plan behind it. Terms, amortization, and prepayment structures also differ, and commercial loans are often shorter in term than a 30-year residential mortgage.
Debt service coverage ratio measures a property's income against its debt payment. Lenders use it to judge whether the property supports the loan on its own. Required ratios differ by lender, property type, and market, and are set by the investor rather than by City First Mortgage. Our investor DSCR calculator lets you model a scenario before you apply.
Yes. Financing a building your own business occupies is a common commercial scenario, and it is underwritten differently than an investment property because the business operating in the building is part of the credit picture. Depending on the structure, SBA-eligible options may also apply. Bring your business financials along with the property details when you start the conversation.
Commercial files typically include two to three years of property operating statements, a current rent roll, two to three years of business and personal tax returns, a personal financial statement, entity formation documents, and a summary of your plan for the property. Purchase transactions also require the executed contract. Your loan officer will confirm the full list once the request is structured.
Commercial transactions generally take longer than residential ones, often 45 to 90 days depending on property type, third-party report timing, and lender. Appraisals, environmental reports, and property condition assessments frequently drive the timeline more than the credit review does. Ordering third-party reports early is the most reliable way to protect a closing date.
Talk with a licensed City First Mortgage loan officer about your goals, your timeline, and which program fits. No cost, no obligation, and no credit pull to start the conversation.
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