How to Negotiate a Commercial Real Estate Loan

Podcast: The Commercial Real Estate Investor Podcast · Tyler Cauble

Opublikowano: 2026-10-05

Key Takeaways Negotiate the loan, not just the price. Financing terms can have a bigger impact on cash flow than a purchase-price reduction. Interest-only can provide crucial breathing room. In my $2 million building example, 12 months of interest-only payments adds about $31,000 in year-one cash flow and lifts the cash-on-cash return from 3.6% to 7.7%. Use interest-only strategically. The goal is to build reserves or stabilize the property before the higher payments begin—not simply to delay principal payments. Ask for a longer amortization. Moving from a 20-year to a 25-year schedule can lower payments, im...