Financing Owner-Occupied Commercial Real Estate

You run a successful business, but on paper, you show zero personal income. How do you buy the building you operate out of?

One of the smartest moves a business owner can make is to stop paying rent to a landlord and start paying a mortgage to themselves. Buying the commercial building your business occupies stabilizes your overhead and builds generational equity.

But securing the financing to do it is notoriously difficult.

Conventional commercial lenders demand three years of personal and business tax returns. They want to see consistent, upward-trending taxable income. If you run a smart business, you are likely reinvesting profits, deducting heavy expenses, and minimizing your tax burden. Your tax returns reflect a focus on tax efficiency, not liquidity.

As a result, the bank rejects your loan to buy your own building.

CFGX underwrites owner-occupied properties differently.

We are an asset-based lender. Usually, that means we look exclusively at a property's rent roll to ensure it generates income. But what happens when you are the tenant? What happens when the building is entirely owner-occupied?

We make a strict exception to our income-generating rule for owner-occupied commercial real estate. Here is exactly how it works:

We still do not require your tax returns.

Instead of a rent roll or a lease agreement, we simply review the unaudited Profit & Loss (P&L) statement of your business. We just need to see that the business occupying the building has the cash flow to make the mortgage payment.

• No CPA-audited financials required.
• No personal tax returns.
• No personal financial statements (PFS) or global DTI analysis.

If your business can support the payment, we will finance the acquisition on a 30-year fixed term.

This isn't a short-term bridge loan. This is permanent capital. You lock in your overhead for the next three decades, fully amortized, with no balloon payments lurking five years down the road.

Your business generates the revenue. You should own the real estate it sits on.

No tax returns. No personal financial statements. No DSCR ratio. The property is the borrower. Qualify once. Done for 30 years.

Text property address and loan amount to Scenario Desk at 332-241-8100.

Text 'REFI', the property address, and loan amount to Scenario Desk at 332-241-8100.