Commercial financing, explained properly.
Plain language guides to how commercial mortgage decisions actually get made, written by the brokers who package these files, with the numbers lenders really use.
August 2026
DSCR: the number that sets your commercial loan amount.
How coverage ratios size your loan, with current lender minimums and a worked BC multifamily example.
Read the guideAugust 2026
Construction draws: how the money actually arrives.
Cost to complete underwriting, a typical draw schedule, the 10% lien holdback and why draws stall.
Read the guideAugust 2026
What a bridge loan really costs, and when it's still cheap.
The five cost components and a worked $2M example showing how a 10% rate becomes 15% all in.
Read the guideOctober 2026
How commercial mortgages work in BC.
Plain answers on deposits, qualifying, rates, terms, timelines, payments and what a broker does.
Read the guideOctober 2026
Your rights under BC's new Mortgage Services Act.
What changed on October 13, 2026, the disclosure forms you should receive and when you should receive them.
Read the guideOctober 2026
Building condition assessments for commercial mortgages.
What the report covers, why lenders require it, who pays, and how findings change your loan.
Read the guideOctober 2026
How to value a commercial property.
The income approach and cap rates, comparable sales, the cost approach and how appraisers read the number.
Read the guideOctober 2026
The CMHC Apartment Construction Loan Program in BC.
Who qualifies, loan to cost, 50 year amortization, the affordability requirement and how to apply.
Read the guideOctober 2026
BC Builds rental supply program financing.
Who can take part, construction financing up to 100 percent of cost to complete, the insured take out and the affordability rules.
Read the guideOctober 2026
Multiplex financing under BC's small scale multi unit housing rules.
What the rules allow on single family lots, where residential lending ends at five units and how six unit builds get funded.
Read the guideTool
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