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Commercial Real Estate Finance

Financing built for serious investors and business owners

Acquisition, refinance, and cash-out strategies across property types — evaluated the way investors actually think: around income, structure, and the numbers that drive the deal.

Commercial financing partnership against a backdrop of office towers
No-Pressure ProcessRequesting terms never obligates you
Secure & ConfidentialYour financials stay protected
Numbers-First ReviewStructured around your deal
Guidance to ClosingA real specialist, start to finish
Properties we help finance

Built across the commercial spectrum

Multifamily Mixed-use Retail Office Industrial Warehouse Hospitality Owner-occupied commercial Investment property
Modern multifamily apartment building
Multifamily2+ units & apartment buildings
Contemporary residential condominium complex
Mixed-use & condoResidential & combined-use assets
Open-plan commercial office space
Office & owner-occupiedSpace your business operates from
Common use cases

What investors finance with us

Purchase financing

Acquire income-producing or owner-occupied commercial property with structure that fits the deal.

Refinance

Reposition existing debt as terms mature or your strategy evolves.

Cash-out refinance

Access equity to reinvest, improve a property, or pursue the next opportunity.

Investment property financing

DSCR-style thinking that centers the property's ability to cover its own debt service.

Bridge financing

Short-term solutions to bridge timing gaps between acquisition, stabilization, or sale.

Owner-occupied & SBA-style*

Financing positioning for the property your business operates from. *Subject to program eligibility.

Investor tool

Estimate payment, NOI, DSCR & LTV

A quick model to pressure-test a deal. For education only — not a loan approval.

$
$
%
$
$
Estimated monthly payment
$0/mo
Est. NOI /yr
$0
Est. DSCR
0.00x
Est. LTV
0%

DSCR = annual net operating income ÷ annual debt service. A figure above 1.0x suggests income covers the estimated payment.

This calculator is an estimate for educational purposes only and is not a loan approval, commitment to lend, or quote. Actual terms depend on the property, borrower profile, program guidelines, and underwriting review.

How the process works

From request to closing

1

Submit your request

Share the property, the goal, and the basics of the deal.

2

Review the numbers

We evaluate income, expenses, and structure together.

3

Compare options

We outline the paths that may fit the property and your goals.

4

Structure & submit

We package the file to present the deal at its strongest.

5

Underwriting to close

We track conditions and milestones through to closing.

Documents commonly needed

Have these ready to move faster

Rent roll & leases

Current rent roll and executed lease agreements.

Operating statements

Recent property income and expense history.

Tax returns

Business and/or personal returns as applicable.

Entity & financials

Entity documents and a personal financial statement.

Requirements vary by property type, program, and scenario. We'll confirm the exact list for your file.

Why Clearwater

We speak investor

Deal-first thinking

We evaluate the property's economics, not just a checklist.

Responsive timelines

We move at the speed real opportunities require.

Structure options

Multiple paths considered, so the structure fits the strategy.

Commercial FAQ

Questions investors ask

Have a deal in motion?

Start your financing request and we'll review the numbers with you.

Start your application