Nick Schoch's pictureNick Schoch


Below is a listing of articles I've written about commercial real estate financing.

These articles are available for reprint under the Creative Commons license: Attribution-ShareAlike 2.0 Generic.

6 Questions To Ask Your Loan Broker

Commercial mortgage brokers assist in most apartment loan transactions. Even investors who have strong lender relationships can benefit from a broker’s familiarity with the current lending environment and underwriting parameters. All of which help you get the best deal. Nonetheless, it is important to ask the right questions to ensure that your broker is aligned with your priorities and transparent about their role in the financing process.

Recourse: What’s the value of your signature?

Should you promise to stand behind the loan on your property? Your gut reaction might be “I always pay my debts.” I’m right there with you. However, no one wants misfortune at one property to sink their whole balance sheet. As such, many investors opt for non-recourse debt to protect their net worth. Let’s review what recourse means with respect to commercial mortgages.

5 Common And Costly Refinancing Mistakes

When it comes time to refinance your property, you want an easy process that gets you the best pricing. If you're not prepared, it could hurt you with a higher interest rate, lower loan proceeds and an agonizing experience. Below are the top five issues I see investors encounter when refinancing their properties.

The Risk in Writing-Off Almost Anything

Should you write-off almost anything? Maybe not if you want to refinance your property and get access to your hard-earned equity. Consider that for every $1 reduction in reportable income, you could decrease your potential loan amount by $11-13.

Is your equity working as hard as it should?

When you decide to invest in real estate, you invest your time and energy into finding the perfect property and waiting for the right time to buy. Then, after you’ve purchased and financed the property, you shift your focus to managing the property to maximize cash flow. Sounds good and it is. At first.

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