Commercial Financing to Grow Your Business or Investment

Commercial Mortgage, SBA, DSCR, and more — with advice in Spanish and everything processed in-house.

Buying or refinancing a commercial property is a strategic move for your wealth. At DHM Mortgage, we accompany you every step of the way: we evaluate your financial scenario, identify the appropriate financing structure, and process, approve, and fund internally to close with greater speed and certainty.

We process, approve, and fund in-house

In commercial financing, time is money. By handling processing, underwriting, and funding under one roof, we reduce delays and give you greater certainty of closing on time — key when an investment opportunity is at stake.

Processing

Underwriting

Funding

All in-house = faster closings

Types of properties that apply

Office Buildings

Corporate spaces, professional offices, and business buildings.

Commercial Premises

Retail, stores, commercial plazas, and spaces for public-facing businesses.

Industrial Warehouses and Facilities

Industrial properties for logistics, manufacturing, or storage.

Multifamily Investment Properties

Buildings with 5 or more units and rental properties. One of the most solid investments for generating passive rental income.

Commercial Real Estate Investment

Commercial real estate investments focused on generating income and increasing your capital’s value.

How can DHM Services help you?

Business Financial Evaluation

We analyze your business or investment numbers (income, cash flow, operational capacity) to define realistic financing scenarios.

Stress-free commercial documentation

We tell you exactly what to prepare and how to present it:

Business Tax Returns
Profit and Loss Statements
Balance Sheets
Business Financial Statements
Cash Flow Documentation
Bank Statements

Ready to apply

We organize your financial documentation before submitting your application so that your file is strong and complete.

The right financing structure

We help you choose from options such as:

Commercial Loans
SBA Financing
DSCR Loans
Fixed & Variable Rate Loans
Commercial Refinancing
Investment Property Financing
Business Expansion Financing

Understand the key factors

We clearly explain: Loan-to-Value (LTV), down payment, interest rates, balloon payment structures, closing costs, and amortization periods.

More than a Commercial Mortgage: solutions for every strategy

Every commercial project is different. That’s why we offer a complete range of programs:

SBA Financing — SBA-backed financing to buy, expand, or capitalize your business.
DSCR Loans — qualify based on the property’s rental income, not just your personal income.
Bridge Loans — bridge financing to avoid losing an opportunity while another transaction is finalized.
Fix & Flip — agile capital to buy, renovate, and resell properties.
Investor Lines of Credit — recurring liquidity for active investors.
Commercial Refinancing — improve your current loan terms or free up equity.

Key Aspects of a Commercial Mortgage

Loan-to-Value (LTV)

Commercial financing typically covers between 65% and 80% of the property’s value, depending on your profile and the type of property.

Amortization and Terms

Longer amortization schedules with shorter contractual terms: we explain what that means for your payment.

Balloon Payment

Some structures include a lump sum payment at the end of the term. We help you plan for it from the start.

Interest Rates

Fixed or variable, depending on the market, property type, and your financial profile.

Information frequently requested

Business Financial Information

Property Documentation

Liquidity and Financial Capacity

How does the process work with us?

Free financial evaluation

We analyze your business objectives

We prepare your documentation

We choose the financing structure

We accompany you until closing

Why businesses and investors trust us

Benefits:

Advice in Spanish, focused on your strategy

In-house processing, approval, and funding = faster closings

Commercial, SBA, DSCR, Bridge, and more in one place

Solid and well-organized financial file

A specialist who responds to you at every stage

You understand every cost and structure before signing

Looking for a home instead of a commercial property?

If your goal is your own home, primary residence, or your first home, we can also help. We offer conventional, FHA, VA, Jumbo loans, and programs for the self-employed.

Frequently Asked Questions

1 What is a Commercial Mortgage?

It is a loan to buy, refinance, or develop properties for commercial or business use, secured by the real estate.

2 How much down payment is usually required?

Generally between 20% and 35%, depending on the property type and your profile. In your evaluation, we will give you the actual range for your case.

3 What documents are usually requested?

Commonly: business financial statements, tax returns, balance sheets, and property documentation.

4 What does LTV mean?

Loan-to-Value: the ratio between the loan amount and the property’s value. It usually ranges from 65% to 80%.

5 Can I refinance a commercial property?

Yes. Commercial Refinancing options exist to improve terms or free up equity.

6 Do I have options if I don't qualify for a traditional loan?

Yes. With programs like DSCR (qualifies based on property rental income) or SBA Financing, you can access alternative structures.

Build your next step with the right financial structure

Business decisions require strategy, clear numbers, and a team that closes. Whether you’re expanding your business, buying a commercial property, or evaluating a new investment, at DHM Mortgage, we prepare and support you — in your language and with the entire process under one roof.

Ready to get started? Contact us today

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