Who it’s for
- Owner-occupants and investors with true commercial property or heavier mixed-use — not a DSCR rental duplex alone.
- People who need a clear map of residential vs commercial lanes before they waste weeks in the wrong box.
- Borrowers who want honest scope: some deals I can help place; some I educate or refer.
How I help
True commercial and mixed-use debt often leans on property cash flow — NOI and DSCR conceptually — shorter terms, longer amortization, and structures that are not a consumer 30-year. Relationship and property type matter.
I’ll walk you through the program and the guidelines that apply to your situation. I will not promise balloons or print rate/LTV grids. If your goal is a 1–4 rental underwritten to rent, start on DSCR or investment. Vacant land → land. Farm operations → farm.
What to expect
Property mix (residential vs commercial), leases if mixed-use, occupancy plan, and what you want the loan to do. Honest: not every commercial product sits on a residential desk — I’ll say which is which.
Next step
Apply or talk. We’ll figure out the fork together before chasing the wrong paperwork.
Purchase, refinance, and most programs: Apply opens my Bevri application. Prefer to talk first? Use Talk to Michael. I’ll walk you through the program and the guidelines.