Initial review
Discuss the purchase, property type, occupancy, requested financing, borrower structure, and transaction dates.
Purchase financing
Structure the mortgage around the acquisition and the property income.
Commercial retail purchases require coordination between the purchase agreement, equity, property diligence, borrower information, and lender underwriting. The goal is a complete, coherent file, not a residential-style pre-approval.
From offer to funding
A purchase file moves through connected workstreams.
The exact sequence varies by property and lender. Starting with a clear financing objective and organized property information helps identify what must be resolved before a lender can issue or maintain a commitment.
File preparation
Assemble the agreement, rent roll, leases, property operating history, borrower financial information, and ownership details.
Lender underwriting
A suitable lender reviews property cash flow, value, tenancy, borrower strength, security, and requested structure.
Due diligence & closing
Complete the lender's conditions, which may include valuation, environmental, legal, insurance, and other property-specific work.
Prepare the story
What usually makes a retail purchase file understandable
Documents do more than satisfy a checklist. Together, they explain the quality and durability of the property's income, the acquisition economics, and the borrower's capacity to complete and support the transaction.
- Executed purchase agreement and material schedules or amendments
- Current rent roll with unit, tenant, rent, term, and expiry information
- Available leases, amendments, renewal options, and material tenant notices
- Historical operating statements and a supportable current budget
- Property tax, insurance, utilities, maintenance, management, and other operating costs
- Borrower and guarantor financial information, ownership structure, experience, and source of equity
- Property details relevant to appraisal, environmental, legal, zoning, and insurance review
A focused first conversation