Written from real deals.
Each one answers a question an owner asked on an actual loan: what a bank does with a depreciation loss, how Section 8 rent gets counted, why the appraisal came in low.
Your tax return shows a loss. Here is how a bank reads it.
Depreciation makes a profitable building look like it loses money.
September 30, 2026·6 min read
How lenders count Section 8 rent on an apartment loan.
Voucher rent arrives on the first of the month whether or not the tenant has a good week.
September 30, 2026·6 min read
Your apartment loan comes due next year. Start here.
Most five year loans written in 2022 and 2023 mature in 2027 and 2028.
September 30, 2026·7 min read
Why the appraisal on a small apartment building comes in low.
The building is full, the rents are up, and the appraisal still came in $300,000 under what you expected.
September 30, 2026·7 min read
Bank loan or 30 year loan: which one fits a 10 to 50 unit building.
The two most common ways to finance a stabilized apartment building are built for different owners.
September 30, 2026·7 min read
How a neighborhood retail center gets underwritten.
An apartment building is underwritten on a rent roll.
September 30, 2026·7 min read
DSCR loans on high-value short-term rentals: what actually gets underwritten.
On a $400,000 beach condo, a rental projection and a credit score get you most of the way.
September 30, 2026·8 min read
How a single-tenant net lease property gets financed.
A pharmacy on a corner lot, a quick-service restaurant on an outparcel, a distribution building with one tenant and fifteen years left.
September 30, 2026·7 min read
Investor loan fit field guide
Start with the property, then see which loan lane is the likely fit and what to send.
August 2026·Field guide
What to send for an apartment refinance
The rent roll, trailing twelve, payoff, and the rest of what a lender asks for first.
August 2026·Checklist