The Mortgage Desk, powered by NEXA Lending, in a bright office with a desk
The Mortgage DeskTHE MORTGAGE DESKpowered by NEXA LendingJim Elkins · Cell: 615-881-6927 (anytime)
INVESTOR & COMMERCIAL FINANCINGDSCR · Cash-Out · Fix & Flip · Commercial · Rental Equity
COMMERCIAL REAL ESTATE · PERSONALIZED FINANCING

A commercial mortgage is about the whole property.

Buying an apartment building, refinancing a mixed-use property or financing a business-occupied building? Share your property and goals before we discuss financing choices.

✓ Personal financing review✓ No Social Security number needed✓ Private staging — not accepting public leads
COMMERCIAL FINANCING CALCULATORS

Explore the building's financial picture.

NOI, debt service and leverage can shape a commercial loan review. Use your own assumptions, not advertised pricing.

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Commercial DSCR

Net operating income divided by annual debt service.

Illustrative commercial DSCR—

NOI calculation and lender requirements vary.

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Loan-to-value

Compare the requested loan against an estimated value.

Illustrative LTV—

Not a lender's approved leverage limit.

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Income / cap-rate scenario

Illustrate income relative to a stated property value.

Illustrative cap rate—

NOI ÷ market value; not an appraisal or valuation opinion.

SPECIALTY INSTANT QUOTE

Tell us about your commercial property.

Start with the asset and financing need. NOI and occupancy can be estimated or left blank if unknown.

01 — Tell us about the project02 — Contact & consent

Where should Jim send your personalized review?

No Social Security number or credit authorization needed.

Commercial financing questions

Do I need a full rent roll or financial package today?

No. This initial request is for a personal review. Supporting operating statements, leases, entity information and third-party reports may be needed later.

Are owner-occupied business loans the same as rental-property DSCR loans?

No. Owner-occupied commercial financing can involve different programs and underwriting, and may have distinct business eligibility and documentation requirements.