What financing does Jaken Finance Group offer for commercial investment property?

Bridge and fix-and-flip at 8.99%–13.5% interest-only on qualified non-owner-occupied files; stabilized commercial and multifamily exit to DSCR at 5.75%–10.5% when leases and seasoning support coverage.

How fast can commercial bridge financing close?

Term sheet in 24–48 hours on a complete file; close in 7–14 business days after appraisal payment and satisfied borrower conditions.

What do commercial underwriters need at submission?

Sold comps or rent roll, scope with contractor bids, entity docs, insurance quote, and a documented exit — sale timeline or DSCR refi path with target LTV and coverage.

Blog

Succeeding in Commercial Real Estate: An Guide to Financing

Published June 12, 2026 · Updated July 18, 2026

By Jason Taken · Principal, Jaken Finance Group

Commercial CRE financing for investors — bridge 8.99%–13.5% IO, DSCR 5.75%–10.5%, asset-class matrix, LTV sizing, and exit planning. Jaken Finance Group.

Commercial real estate rewards investors who match capital structure to asset class and hold period. Jaken Finance Group finances non-owner-occupied investment property nationwide — bridge at 8.99%–13.5% interest-only for acquisition and value-add, and DSCR at 5.75%–10.5% when stabilized cash flow supports permanent debt. This guide maps product selection, sizing, timelines, and exit planning so your next LOI is fundable on first submission.

Pair this with commercial property loans by asset class and commercial real estate loan down payment requirements.

Jaken Finance Group commercial financing snapshot — 2026

Product	Rate band	Typical use
Bridge / fix-and-flip	8.99%–13.5% IO	Value-add, lease-up, reposition
DSCR permanent	5.75%–10.5%	Stabilized NNN, multifamily, mixed-use hold
Coverage	50 states	Business-purpose entity closings
Term sheet (complete file)	24–48 hours	After scope + comps in file
Close	7–14 business days	Appraisal paid, conditions cleared

What is hard money · DSCR hub · Loan process

Asset-class matrix — which product fits

Commercial success starts with picking debt that matches rehab intensity and cash-flow maturity.

Asset class	Bridge IO fit	DSCR fit	Common pitfall
Retail strip / NNN	Moderate — tenant rollover	Strong when leased	Ignoring TI allowance in scope
Small multifamily (2–20 units)	Strong for value-add	Strong post-stabilization	Underwriting gross rent without vacancy
Mixed-use	Strong on vacant upper floors	Strong with executed leases	Zoning mismatch at refi
Office / medical	Selective — long lease-up	Strong with credit tenants	Carrying IO through 12+ mo vacancy
Industrial / warehouse	Moderate — shell condition	Strong with NNN lease	Environmental delay without contingency

Vacant or distressed assets belong on bridge until occupancy and DSCR ≥1.0 support permanent sizing — see DSCR loan for investment property.

Sizing commercial files — LTC, LTV, and DSCR

Underwriters size on collateral and exit, not W-2 DTI alone.

Bridge / value-add sizing

LTC (loan-to-cost) — often 70%–90% of purchase + documented rehab on qualified files
ARV cap — total debt typically 65%–75% of after-repair or stabilized value
Contingency — 10%–15% on scope is expected; thin budgets slow draws
Cross-collateral — available on select portfolios; confirm partial release before you bind

Run numbers in fix and flip calculator using ARV minus ~8% sale costs on flip exits, or market rent minus vacancy on hold paths.

DSCR permanent sizing

Stabilized commercial and multifamily refi to DSCR when:

Executed leases or credible rent roll support DSCR ≥1.0 (program-specific)
LTV within caps — up to 85% purchase, 80% cash-out, 85% rate-and-term on select qualified markets
Entity vesting matches operating agreement from bridge close

Mismatch between personal name and LLC at refi can reset seasoning on some programs — cash-out requirements.

Worked example — small retail value-add

Scenario: 4,200 SF neighborhood retail, $680,000 purchase, $140,000 TI/reposition, 9-month hold to stabilized NNN lease.

Line item	Amount
Purchase	$680,000
Rehab / TI	$140,000
All-in cost	$820,000
Stabilized value (cap 7.5% on $78K NOI)	~$1,040,000
Bridge at 75% LTC	~$615,000
IO at 10.25%	~$5,253/mo
9-month carry	~$47,277

Exit A — sale: ARV $1,040,000 less 8% sale costs ≈ $956,800 net — model spread after carry and points before LOI.

Exit B — DSCR refi: At 7.25% permanent on 75% LTV ≈ $780,000 debt; confirm seasoning clock (note date vs CO vs first lease) before bridge close.

Document both exits in the file at submission — underwriters slow deals with a single optimistic sale path and no lease-up plan.

Timeline — term sheet to first draw

Milestone	Typical timing
Complete file submitted	Day 0
Term sheet	24–48 hours
Appraisal ordered / paid	Day 1–2
Close	7–14 business days
Draw 1 (post-inspection)	3–5 business days

Delays trace to incomplete entity docs, scope without bids, environmental flags, or appraiser access — not “commercial is inherently slow.” Prep using checklist — loan proposals.

Entity, insurance, and compliance

Most commercial investment files close in LLC with:

Operating agreement matching vesting on title
EIN and certificate of good standing
Commercial landlord / investor property policy — not owner-occupied HO-3
Business-purpose representations and rent-roll accuracy

For mixed-use and retail, confirm CO, zoning, and use align with your DSCR exit narrative before draw one.

When bridge beats bank — and when DSCR wins

Scenario	Bridge 8.99%–13.5% IO	Bank / DSCR 5.75%–10.5%
Vacant or distressed CRE	Yes	Unlikely until stabilized
Auction / off-market speed	Yes	Rare inside 30 days
Heavy TI / reposition	Yes	Scope often kills bank approval
Turnkey leased NNN	No	Yes
10+ year hold	No	Yes

Compare products in hard money vs traditional loans and potential commercial real estate financing.

Portfolio strategy — stacking deals without liquidity traps

Experienced sponsors treat commercial financing as a sequence, not a single loan:

Bridge acquires and repositioned — IO carry is a line item in the pro forma
Lease-up — track economic occupancy monthly; DSCR refi needs executed leases or credible rent roll
DSCR permanent — lowers carry, enables cash-out for next acquisition
Repeat — cross-collateral only when release terms are documented upfront

Carrying two IO bridges without staggered exits burns spread fast in 2026 rate bands — model dual-exit on every file.

Application checklist — what to submit

Before submit scenario, assemble:

Document	Purpose
Purchase contract or LOI	Price, close date, assignment terms
Sold comps or rent roll	Collateral value / NOI anchor
Scope + contractor bids	LTC sizing, draw schedule
Entity docs	LLC OA, EIN, good standing
Insurance quote	Investor / commercial landlord policy
Exit memo	Sale timeline or DSCR refi with target LTV and DSCR

Credit-flexible programs exist on select files — collateral-first underwriting still applies. See hard money loan application process.