Commercial Lending

Commercial Real Estate Loans

From 5-unit multifamily to large-scale mixed use — we fund the deals that move your portfolio forward. Direct lender. No broker. No delays.

2006

In Market Since

A+

BBB Rating

Loan Programs

Dedicated Contact

Licensed in NY, NJ, CT, PA, FL

4.9

4.8

4.9

Who we work with

You’ve done this before. You know what the deal looks like on paper — and you know how fast a slow lender can kill it. At Powerhouse Solutions, we work at the pace of the transaction, not the pace of a bank committee. Whether you’re acquiring, refinancing, or pulling cash out, we’re the direct lender that gives you a straight answer and moves.

What we do

What Is a Commercial Real Estate Loan?

A commercial real estate loan is financing secured by income-producing or owner-occupied property with five or more units, or any non-residential property type — multi-family buildings, mixed use storefronts, office complexes, retail centers, warehouses, industrial facilities, hotels, and more.

Unlike residential mortgages, commercial loans are underwritten based on the property’s income potential and the strength of the deal, not just the borrower’s W-2. Lenders evaluate the net operating income, debt service coverage ratio, loan-to-value, and the borrower’s track record — which is why experience and the right lender relationship matter.

Powerhouse Solutions finances commercial real estate across the full spectrum: stabilized assets, value-add plays, cash-out refinances, and bridge situations. If you have the property and the plan, we have the capital.

Commercial programs we offer

Multifamily (5+ units)
Office, Retail & Industrial
Mixed-Use Properties
Bridge & Construction Loans
SBA 7(a) & SBA 504
DSCR — No Tax Returns Required
Hard Money & Private Capital

Deal Criteria

What You Need to Qualify for a Commercial Loan

More flexible than most people expect. Here’s exactly what you need — no guessing.

Credit Score

660+ (680+ preferred for best terms)

Down Payment

20–30% (as low as 10% with SBA)

LTV

Up to 80% multifamily; up to 75% commercial; up to 90% SBA owner-occupied

DSCR

1.20x–1.25x minimum on stabilized assets

Property Types

Multi-Family (5+), Mixed Use, Retail, Office, Industrial, Warehouse, Hotel

Loan Size

From $2,000,000 to $100,000,000+

No Income Check

Available on select programs — ask us

Loan Terms

5, 7, or 10 years fixed; amortization up to 30 years

Geography

NY, NJ, CT, PA & FL primary; nationwide lending available

Every commercial deal is different. The numbers above reflect typical program parameters — your actual terms depend on property type, location, LTV, and deal structure. Call us and we’ll tell you exactly where you stand.

Why Powerhouse Solutions

Why Investors Choose Powerhouse Solutions for Commercial Lending

We know commercial real estate. Here’s what that means in practice.

We’ve Closed the Deals Others Won’t Touch

From rent-stabilized Bronx apartment buildings to new hotel development in LIC, our transaction history spans every asset class and deal structure in the NY metro. If it’s a real deal, we find a way to fund it.

Direct Lender. No Broker Markup.

You’re not going through a broker who shops your deal to fifteen lenders and takes a cut. Powerhouse Solutions is a direct lender — we control the underwriting, the approval, and the timeline. That means better pricing and no surprises at the closing table.

No Income Check Available

Not every investor files taxes in a way that reflects their real financial strength. We offer no-income-check programs on select commercial transactions, qualifying on the asset and the deal — not your tax returns.

Close in Under 30 Days

As a direct lender, we own the process from application to closing. No bank committees. No third-party delays. When the deal has a deadline, we move to meet it.

Recent Commercial Transactions

A sample of deals we’ve closed across the metro area:

Amount / LTV	Property Type	Location
$5,850,000	Hotel Development — Hard Money	LIC, NY
$4,440,000 (75% LTV)	5-Property Mixed Use Blanket Cash-Out Refinance	Brooklyn, NY
$3,580,000 (70% LTV)	24-Unit Rent-Stabilized Apartment Building	Bronx, NY
$2,150,000 (90% LTV)	SBA Loan — Office Building	Baldwin, NY
$1,800,000 (70% LTV)	Mixed Use Purchase	Brooklyn, NY
$950,000 (65% LTV)	Multi-Family Hard Money Purchase	Monroe, NY
$800,000 (80% LTV)	Multi-Family Cash-Out Refinance	Brooklyn, NY
$650,000 (75% LTV)	Mixed Use Cash-Out Refinance	Middle Village, NY
$562,000 (80% LTV)	Two-Family LLC Purchase — No Income / No Asset	East Elmhurst, NY

Direct. Fast. Done.

Ready to Talk About Your Commercial Deal?

No credit pull. No obligation. Get a straight answer from a direct lender.

Why Powerhouse Solutions

How Fast Can We Close? Here's the Process.

Submit Your Deal

Send us the property details and your strategy. No lengthy applications, no unnecessary paperwork.

Same-Day Decision

We review the deal, not just the borrower. You'll know where you stand within hours.

We Move Fast

Direct lender means no broker delays, no committee approval chains. We control the speed.

Close on Your Timeline

When the deal is right, we close fast. Your timeline is our priority, not ours.

Real Stories

What Our Commercial Borrowers Say

Real first-time buyers in who got it done with FHA.

FAQ

Commercial Real Estate Loan FAQs

Straight answers to the questions experienced investors and operators ask most.

What types of commercial properties does Powerhouse Solutions finance?

Powerhouse Solutions finances a wide range of commercial property types including multi-family buildings (5+ units), mixed use properties, retail centers, office complexes, warehouses, industrial facilities, and hotels. If you’re unsure whether your property qualifies, call us — we’ll give you a straight answer.

What credit score do I need for a commercial real estate loan?

Most commercial programs require a minimum credit score of 660, with 680 or higher preferred for best terms and lowest rates. That said, credit score is one of several factors we evaluate — deal structure, LTV, and property income all play a role. Reach out and let us look at the full picture.

How much do I need to put down on a commercial property?

Down payments typically range from 20 to 30 percent depending on property type and loan structure. SBA programs can reduce that to as low as 10 percent for owner-occupied commercial real estate. Our no-income-check programs have their own equity requirements — contact us for deal-specific guidance.

What is DSCR and how does it affect my commercial loan approval?

DSCR — Debt Service Coverage Ratio — measures whether your property generates enough net operating income to cover its loan payments. Most conventional commercial lenders require a minimum of 1.20x to 1.25x on stabilized assets. Powerhouse Solutions also offers programs that evaluate the asset itself rather than income documentation alone, which can open doors for investors whose cash flow doesn’t fit the standard model.

How fast can Powerhouse Solutions close a commercial real estate loan?

As a direct lender, Powerhouse Solutions controls the full process from underwriting to closing — no broker delays, no bank committee wait times. We target under 30 days on commercial transactions. For time-sensitive bridge or hard money situations, we can move significantly faster.

Does Powerhouse Solutions offer commercial loans without income verification?

Yes — we offer no-income-check programs on select commercial transactions. Qualification is based on the property’s income potential and deal structure rather than personal tax returns. This is particularly valuable for self-employed investors and business owners whose reported income doesn’t reflect their actual financial position.

Does Powerhouse Solutions lend on commercial properties

Powerhouse Solutions is licensed in NY, NJ, CT, PA, and FL, with nationwide commercial lending available on select programs. Our primary focus and deepest market expertise is the NY metro area, but if you have a deal outside of New York, call us and we’ll let you know what we can do.

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