Commercial refinance and purchase financing for Ohio property owners.
If you own a small commercial building with a loan maturing, or you’re moving up from residential into your first 5+ unit property, I’ll find out what’s actually available for your deal before you spend a month calling banks.
Multifamily · Small mixed-use & Commercial / Ohio · Indiana · Kentucky
Our lending box
Parameters · CurrentProperty type
5-20 unit multifamily, small mixed-use and commercial
Loan amount
200,000 - $2,000,000
LTV
Up to 75% LTV
Location
Ohio · Kentucky · Indiana
Ownership
LLC or other business entity
Guarantor credit
660+ FICO
Purpose
Purchase, rate-and-term, cash-out
Timeline
30–60 days on a clean file
Outside the box? Tell me anyway. I’ll either point you somewhere useful or tell you it isn’t something I can help with. Both beat silence.
Start looking before the clock runs out.
An unusual amount of small commercial debt is coming due over the next two years, most of it written when money was cheap. You’re not the only owner in your market working out what happens next, and lenders get pickier as the queue gets longer.
Your maturity date usually isn’t the problem. The proceeds are. Lenders size on cash flow, and the same net operating income carries meaningfully less debt at 6.75% than it did at 4%. Tighter coverage minimums narrow it further. Pushing back the other way: you’ve paid down principal for five years, and rents have moved since 2021.
Whether you leave closing with money in hand or money out of pocket comes down to which side wins. That’s a knowable number today.
Three steps, and you can stop at any of them.
- 01
You send the basics
Eight fields at the bottom of this page. Two minutes. No documents yet, no credit pull.
- 02
We talk for fifteen minutes
The property, the existing debt, and what you're trying to accomplish. I'll tell you on that call whether I think it's financeable and roughly where terms land.
- 03
I take it to the lenders
Your file goes to a network of commercial lenders who compete for it. The best option(s) will be presented and you decide. You're never obligated to take anything I bring you.
What a lender will typically want to see
- Property address, unit count, and current rent roll
- Trailing twelve months of operating statements
- Current loan balance, rate, and maturity date
- Two years of business tax returns for the ownership entity
- Personal financial statement for the guarantor
- Entity documents — operating agreement, articles
- Photo ID
None of this is due before we talk. If you don’t have all of it yet, that’s normal — most people don’t. We’ll sort out what’s actually missing on the call.
Ryan Stuckey
I've spent the last five years delivering financing for real estate investors in Ohio and several other states — more than 300 closed loans across fix-and-flip, DSCR rental, and new construction on 1–4 unit properties.
Small commercial is the question I get asked most by clients who've outgrown residential, so I now offer the service. I'm not the lender. I'm the person who works out which lender fits your deal and manages the file until it closes.
You'll deal with me directly. Not a call center, and not a form that vanishes into a lead network.
Things I’ll tell you up front
- We don't do 1-4 unit residential property investment financing here. I handle that under a different brand — ask me or check the links below for that.
- We don't do ground-up construction or raw land.
- There's usually money out of pocket before closing. Most commercial lenders ask for a good-faith deposit when you enter due diligence — often $2,000 to $10,000 on a loan this size. It funds the appraisal, environmental report, and lender legal work, and it's credited against your closing costs. If you walk away, whatever's already been spent on third-party reports is spent.
- We don't buy or sell leads. Your information goes to lenders you approve, and nowhere else.
- I won't be the right answer for every deal — and I’d rather say so in week one than in week six.
Tell me about the deal.
Two minutes. No credit pull. I’ll come back to you within one business day.