Name: RealFix Finance
Address: שד' הרצל 1, בניין יוניטרייד, אשדוד, מחוז הדרום, 7745401, IL
Telephone: +972-72-220-2044
Price range: $
Rating: 4.9

Question 1

What is the difference between a commercial mortgage and a residential mortgage?

Accepted Answer

A commercial mortgage is designed for acquiring commercial properties (offices, retail, industrial) as opposed to residential mortgages for homes. The terms differ: higher interest rates (typically 1-2% above residential rates), shorter terms (10-25 years), and varying equity requirements. Key advantage: interest payments are tax-deductible as a business expense.

Question 2

How can I obtain up to 95% financing?

Accepted Answer

95% financing is available for income-producing properties with proven, stable cash flow (such as a fully-leased office building). Lenders evaluate the Debt Service Coverage Ratio (DSCR) - whether the property income covers the loan payments and more. For such properties, risk is lower, enabling higher leverage.

Question 3

Are personal guarantees required?

Accepted Answer

It depends on the deal structure. In Non-Recourse transactions, the property itself serves as the sole collateral. If the borrower defaults, the lender can only claim the property. Such deals require higher equity (at least 25-35%) and a quality property with stable cash flow.

Question 4

What are the approval criteria for a commercial mortgage?

Accepted Answer

Criteria include: 1) Property quality and location. 2) Projected cash flow from the property. 3) Company/business financial statements. 4) Property management experience. 5) Available equity. 6) Credit history of shareholders. We help present all of these in the best possible light.

Question 5

Can I get a commercial mortgage with challenging credit history?

Accepted Answer

Yes, there are solutions for clients with challenging credit histories. Options include: non-bank lenders, partnership with an investor with clean credit, increasing equity contribution, or focusing on income-producing properties with strong cash flow that reduces perceived risk for the lender.

Question 6

What is DSCR (Debt Service Coverage Ratio) and why is it important?

Accepted Answer

DSCR is the ratio between property income and monthly loan payment. For example: if a property generates $12,000/month and the payment is $10,000, the DSCR is 1.2. Most lenders require a minimum DSCR of 1.2-1.3, meaning income must cover payments plus a 20-30% safety margin.

Question 7

How long does it take to get commercial mortgage approval?

Accepted Answer

The process includes: preliminary response within 48-72 hours, property appraisal and analysis 1-2 weeks, final approval and signing 2-4 weeks. Total: 3-6 weeks from submission of complete documentation. With RealFix, we expedite the process through relationships with 25+ lending institutions.

Question 8

What are commercial mortgage interest rates in 2026?

Accepted Answer

Rates vary by property type, LTV ratio, and borrower profile. Rate range: Prime + 1.5%-3.5% for quality properties with stable cash flow. For higher-risk properties or clients with challenging credit: Prime + 4%-6%. Key advantage: interest is tax-deductible as a business expense, reducing effective cost.

Question 9

Can I combine a commercial mortgage with a grace period?

Accepted Answer

Yes, you can receive a grace period (interest-only payments) of 6-24 months. This is particularly relevant for properties not yet generating income (construction projects, renovation properties) or when you want to preserve free cash flow at the beginning of an investment. The grace period extends the total loan term.

Question 10

Is a commercial mortgage suitable for land acquisition?

Accepted Answer

Land is higher-risk as it doesn't generate income. Therefore: lower financing (50-65% only), higher interest rates, and shorter terms (5-10 years). Better options: land with building permits, land in approved detailed zoning plans, or combined financing with construction loans.

Question 11

What happens if a tenant vacates mid-loan?

Accepted Answer

This is why lenders evaluate tenant quality and lease terms. Solutions: 1) Multi-tenant buildings (risk diversification). 2) Anchor tenants (major chains, government entities). 3) Long-term leases (5-10 years). 4) Reserve fund for vacancy periods. We select properties with risk profiles matched to your repayment capacity.

Question 12

Should I purchase commercial property through a company or as an individual?

Accepted Answer

Depends on tax and liability considerations: Ltd company provides personal protection (limited liability), tax benefits (expense deduction, accelerated depreciation), but corporate tax on profits. As individual: simplicity, no corporate tax, but full personal liability. We recommend consulting with a CPA about the optimal structure before purchasing.

Criteria	Banks	Insurance Companies	Non-Bank Lenders
Max LTV	65-75%	75-85%	Up to 95%
Interest (Prime +)	1.5%-2.5%	2%-3%	3%-5%
Approval Time	4-8 weeks	3-6 weeks	1-3 weeks
Credit Requirements	Strict (680+)	More flexible	Very flexible
Personal Guarantee	Always required	Sometimes required	Non-recourse available
Best for...	Strong clients, premium properties	Income properties, stable cash flow	Challenging credit, high LTV, speed

Criteria	Banks	Insurance Companies	Non-Bank Lenders
Max LTV	65-75%	75-85%	Up to 95%
Interest (Prime +)	1.5%-2.5%	2%-3%	3%-5%
Approval Time	4-8 weeks	3-6 weeks	1-3 weeks
Credit Requirements	Strict (680+)	More flexible	Very flexible
Personal Guarantee	Always required	Sometimes required	Non-recourse available
Best for...	Strong clients, premium properties	Income properties, stable cash flow	Challenging credit, high LTV, speed

Commercial Mortgage

Up to 95% LTV

Fast Approval

Non-Recourse Options

Property Types We Finance

Office Buildings

Retail & Commercial

Industrial Facilities

Income-Producing Assets

Multifamily Rental

Hospitality & Tourism

Why Commercial Mortgage?

Benefits for Investors

Benefits for Business Owners

Our Process

Discovery Meeting

Feasibility Analysis

Financing Match

Submission & Approval

Closing & Handover

Our Lending Partners

Tools for Informed Decisions

Business Credit Guide 2025

Government Grants & Programs

Advanced Financial Engineering

Business Credit for Property Acquisitions

Need Professional Advice?

Real Case Study

The Client: 45-Year-Old Investor

The Property: Office Building

Our Solution:

Financing Options Comparison

Frequently Asked Questions

Interested in a Commercial Mortgage?Free Eligibility Assessment

Legal Disclaimer

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