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Dave Dambro

Commercial Real Estate, What's Closing Now

$2,475,000 – Acquisition of Retail Strip Mall

Montgomery, AL

These clients were in need of somewhat quick purchase of a good-looking retail strip mall, but were mainly looking for aggressive rates. We accepted the challenge – and found the right program for them based off their strengths and weaknesses on the deal. In the end, we were able to secure them a 4.5% rate on this deal!

As always, we caution our clients to look at the big picture, and not just focus on the rates. There is always a strategy to fit your requirements, and our loan specialists at Commercial Capital Ltd, FL have the experience and background to help you analyze all of the variables and help your business come out stronger with the best loan possible. If you would like to explore your options today and discuss your strategy with a commercial loan specialist, try our fast no-document Loan Finder App or give us a call at (888)959-1648.


Commercial Real Estate, Construction, What's Closing Now

$2,415,000 – Residential Subdivision Development

Nampa, Idaho

Typically, we do not do residential deals unless it is a portfolio or subdivision development consisting of more than five homes in the deal. However, this deal had several homes being developed in a great area! The client had already finished the horizontal infrastructure on the property and just needed additional capital to go vertical and complete the project.

Thanks to the collateral and experience of the borrower, we were able to get the deal done. If you have a portfolio or subdivision development deal, just give us a call at (888)959-1648 or send us the details through our fast Loan Finder App to run the deal by us!

What's Closing Now

$750,000 – Fast Private Money Loan for Acquisition of Daycare

Las Vegas, NV

This borrower owned a daycare and saw an opportunity to buy another daycare that she knew was being poorly run. Upon expressing interest to purchase the daycare, the seller agreed to give her the business essentially for free, leaving her to purchase the property for just $750,000. Upon examining her file, things looked great for SBA – we saw she had the experience, good credit (700+), and cash to put down.

Normally, this would be a strong SBA deal.  However, she had tried several SBA lenders and they all denied her because she did not have two (2) years of tax returns on her current daycare. (The borrower had just started her daycare in 2020, right before COVID-19 hit.  The business not only survived – but her 2021 numbers were great.)

This was a huge issue – SHE DID NOT HAVE TIME TO FILE THE 2021 RETURNS AND CLOSE QUICK ENOUGH FOR THE SELLER.  Hence, she needed private money, fast. Enter…our private fund.

Her loan request came in at the beginning of February, and we needed to close by the 25th for the borrower to file for a necessary grant by the deadline of the 28th.  This meant that we had three (3) weeks to close.

She had everything you want in a loan – low LTV, great credit, and good cash flow.  Once she files her returns, it will be an easy refinance-to-SBA, which we will also facilitate for her (we underwrote the exit strategy beforehand and will help her with the refinance.)

We got all the third party’s approvals back, everything checked out, and were able to close it in the three (3) week timeframe.  Now, this borrower is expanding her business, and because our payments are interest only, she can afford the low payments.  Realtors win, seller gets what they want and our borrower is happy – and now hard at work building her daycare “empire”.

If you need money fast, and just miss qualifying for SBA or conventional, give us a call at (888)959-1648 or submit your deal through our fast Loan Finder App today.

SBA, What's Closing Now

$1,495,000 – Acquisition and Rehab of Medical Office

Orlando, FL

This husband-and-wife doctor duo needed a loan to purchase and renovate their dream office. The purchase price was $1 million, and renovations totaled $495,000. Once we rolled in the closing costs, working capital and cost overruns, the final loan amount was $1,443,200.

What made this file even more complicated was that the doctors were also diverse in their business holdings. Each doctor owned multiple entities, which meant that their submission file was quite large – but we were able to get the deal done! We are the SBA experts, and know exactly how to manage large files and identify any issues before closing – saving you time, and getting your loan issued faster.

If you have a deal like this, explore your options by using our fast, no document Loan Finder App, or give us a call at (888) 959-1648.

Commercial Loan News, Commercial Real Estate, What's Closing Now

$575,000 – ComCap Private Fund – New Construction Rural AirBnB

Rural West Texas


This deal needed to close quickly. They were scheduled close on the property on Tuesday, the 5th of July, but had only submitted their loan request to us on July 1st (that’s right, the Friday before the 4th of July!)
Note: A 10-day extension on the closing was possible IF they could get a commitment by the 5th… otherwise, he would lose the property. But thanks to our private fund, we were able to issue the commitment on the 5th and closed their loan the following week.
In addition to the tight schedule, this particular property was a new-construction house and barn on 36 acres in the middle of Nowheresville, West Texas. The city wasn’t even a true city – it was a “community” with no official resident count (by the satellite photos, maybe 50 people in the town?) However, the property was gorgeous and his goal was to use it as a retreat for people through AirBnB. The borrower had experience in this business and the cash to put down — but had no cash flow in his business and of course, no history of cash flow in the property.
With our private fund, we were able to issue the loan at 50% LTV and escrowed six months of payments.
When we have a special-use vacant property located in a rural area or with no cash flow, we send the deal to our private $20 million fund for consideration. To accommodate for the risk, we simply adjust the LTV. We have gone as high as 90% for strong borrowers with SBA takeouts, and as low as 25% for rural vacant land. If you have a deal that has good collateral but needs to close quickly, send us an inquiry through Loan Finder or give us a call at (888) 959-1648.
What's Closing Now

$650,000 – Cash-out Refi – Owner Occupied CRE

Vero Beach, FL

This business owner wanted cash to make building improvements and to take advantage of a sudden opportunity that would help expand his forestry management business. We were able to secure him a 25-year, fixed-rate refinance with cash-out for his free and clear owner-occupied property, helping increase his liquidity while keeping his monthly payments low.

If you’re looking to expand your business and need cash on hand, consider exploring your refinancing options with Commercial Capital Ltd, FL. We’re a nationwide business with a local office touch! There’s no risk or obligation to explore your options today. Try our Loan Finder to to find the right commercial loan for your requirements, or give us a call at (888) 959-1648.


Commercial Real Estate, Refinance, What's Closing Now

$1,300,000 – Cash-out Refi – SFR Portfolio

Brevard County, FL

This client had a very conservative relationship with debt. His whole life, he was taught that debt was “bad” – so when he purchased the 14 properties in his portfolio, he made sure that they were all paid off and cash-flow positive. However, this kept him paper rich and cash poor — which was making it difficult for him to compete when putting in offers for new properties.

Our challenge, first and foremost, was to change his understanding of what a mortgage can be. When treated properly, a mortgage is leverage – not purely debt. With the right guidance, a smart investor utilizes his leverage to consistently enhance his portfolio.

To keep it conservative, we advised him to do a 60% LTV loan — which is reasonably low leverage — to keep his payments low and manageable in case the market took a turn.

If you’re looking to expand your portfolio and need cash, contact our experts to see which options are available to meet your needs and future goals. Not all loans are created equal – and that’s why it’s essential that you partner with a lender who has your best interests at heart. There’s no risk or obligation to simply explore your options — so try our Loan Finder today to see your results in minutes, or give us a call at (888) 959-1648.

Refinance, What's Closing Now

$700,000 – Cash-out Refi & Purchase- SFR Portfolio

Vero Beach, FL

By word of mouth, this investor found an opportunity to add two more off-market properties to her rental portfolio. The issue? She needed some cash on hand for down payments and liquidity requirements.

To accomplish her goals in the most efficient way possible, we leveraged one of her properties into a 30-year, fixed-rate refinance with cash-out. This kept her monthly payments low and allowed her properties to still cash flow. She then used that cash to purchase two homes: one that she kept to add to her rental portfolio and one that she plans to fix and flip. When all is said and done, she will recoup her entire principal — plus own an additional rental property and make a profit!

Maintaining a positive cash flow when refinancing in this market can be tricky! The three best ways to do this are to:

  1. Put a little more money down (this means there’s less of a loan to pay off = lower monthly payments)
  2. Choose a Hybrid Loan – which affords a lower payment in the first 3,5,7 or 9 years (depending on your choice) while riding out the changes in interest rates
  3. Don’t over-leverage (try backing the leverage down by 5% and see how that affects the rate!)

In this market, smart investors are looking for off-market opportunities, fixer-uppers or distress properties. That is why you MUST be ready with cash – because you never know when the right opportunity will fall into your lap. If you’d like to explore your options to do a cash-out refinance on your investment portfolio, then try our Loan Finder tool or call us at (888) 959-1648 today. There’s no risk or obligation to explore your options!

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