Commercial Loans for Active Investors
You’ve got the income, the credit, and the down payment. We’ll handle everything else.
You’ve built a career, and you’re building a commercial portfolio alongside it. The income is there. The credit is there. The down payment is there. What isn’t there is a spare twenty hours a week to chase lenders.
Commercial lending looks nothing like the mortgage on your house. Every lender wants a different package, asks for different documents, and prices the same building differently. Miss one requirement and you’re back at the start three weeks later, with a seller who has started taking other calls.
What you need is someone to take the entire process off your desk: run the numbers, build the file, work the lenders, and come back to you only when there’s a decision that’s actually yours to make. The deal closes. Your evenings stay your own.
That’s the firm we built.
$491K in. Roughly $5M in equity out.
Deal Card
Project
65-unit multifamily, Pasco WA
Loan
$9.7M construction-to-permanent
Total Cost
$12.2M
Cash-In
~$491K
Result
~$5M equity gain + ~$250K/year income
This is what one well-structured acquisition can do. Modest cash in, a lender who understood the project, and financing that let the equity start compounding on day one. It is the difference between owning property and owning it on the right terms.
Why Active Investors Work with Us
We Know the Other Side of the Table
The people handling your financing used to sit on the credit committees that approve commercial loans. Our founder, Matt Russell, spent his career as a CFO inside commercial lending, and the team came from the same side. We know exactly what a lender needs to see, so your file goes out complete the first time instead of coming back with questions three weeks later.
The Right Lender, Without the Search
We know more than 300 lenders, and we know what each one funds, what terms they offer, and which deals they turn down. You don’t call around, you don’t compare offers, and you don’t get told no five times before someone says yes. Your project goes straight to the few most likely to fund it, with backups lined up from the start.
We Handle the Whole Process
You send us the property and the documents. We do the rest: the analysis, the package, the lender conversations, and the back-and-forth with the appraiser, the title company and the closing attorney. You hear from us when something needs your decision, not your babysitting. That’s the difference between a portfolio and a second job.
“It has been a pleasure working with AAI on both new purchases and refis. Jay is knowledgeable, well connected, and has been able to find competitive loan terms on a handful of different properties for me. Jay is also a great communicator, easy to get a hold of, and keeps you updated every step of the way.”
Andrew Sonntag
What we do for
Active Investors
You’re buying income property while holding down a career, so every hour the process takes is an hour you don’t have. We take all of it: the analysis, the lender search, the package, the closing. And the second purchase moves faster than the first, because we already know your entities, your income and your file. One property becomes two. Two becomes a portfolio that pays you whether or not you show up to work on Monday.
Commercial Loans That Fit Your Goals
Commercial Real Estate
Buying, refinancing, or building equity in income property
Agency Multifamily
Fannie and Freddie financing for apartment buildings
Construction
Ground-up builds and construction-to-permanent
Refinancing
Lower your rate or pull equity out for the next purchase
Business Acquisition
Buying a business, or a partner’s share, as an investment
USDA Loans
Rural hospitality, gas stations, & commercial property
Don’t see your loan type? See everything we place, across every industry we serve.
Ready to Buy Your Next Property?
Send us the property, or just the kind of property you’re looking for. We’ll tell you what you can borrow, what it will cost, and what it takes to close. Fifteen minutes on your end, and we take it from there.