Refinance or Transfer Your Commercial Mortgage
Commercial mortgage switches are a bit different than residential ones. While the goal is the same - securing better terms and improved cash flow - commercial lenders focus heavily on the income the property generates.
What to Expect with a Commercial Switch
- Review of your rent roll, leases, and operating statements
- Updated appraisal and property valuation
- Competitive rates and flexible terms from multiple lenders
- Full refinancing approach (since most commercial “switches” are treated as a refinance)
I’ll guide you through the commercial switch process, ensuring you understand the requirements and helping you secure terms that best support your business and investment goals.
Ontario Commercial Switch: Stronger Structures, Stronger Cash Flow
Portfolio Optimization
At renewal or mid-term, I source competitive commercial options to improve rate, amortization, and covenant structure—advancing asset strategy and net operating returns.
Cash-Flow Engineering
We evaluate DSCR, amortization length, interest-only periods, and prepayment flexibility to protect operating cash flow while meeting lender metrics and future exit plans.
Process Orchestration
From rent rolls and estoppels to environmental and appraisal mandates, I manage the diligence checklist and stakeholder timelines so your lender transfer is organized and on schedule.
Asset-Specific Alignment
Whether multifamily, mixed-use, retail, industrial, or office, I align lender appetite with your asset’s tenancy, covenants, and market dynamics to secure the most suitable structure.
Decision Clarity
You’ll receive side-by-side comparisons of total borrowing costs, covenants, recourse, and exit flexibility—so you can switch with confidence and negotiate from strength.
