{"id":492,"date":"2026-04-08T18:24:09","date_gmt":"2026-04-08T18:24:09","guid":{"rendered":"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/?p=492"},"modified":"2026-04-09T07:24:44","modified_gmt":"2026-04-09T07:24:44","slug":"commercial-property-financing-strategies-for-funding-deals","status":"publish","type":"post","link":"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/commercial-property-financing-strategies-for-funding-deals\/","title":{"rendered":"Commercial Property Financing Strategies for Funding Deals"},"content":{"rendered":"<style>.breakdance .bde-section-492-174{background-image:url(https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/commercial-property-financing.jpg);background-size:cover;background-repeat:no-repeat;background-position:center top}.breakdance .bde-section-492-174>.section-background-overlay{background-color:#000;transition:background-color var(--bde-transition-duration) ease-in-out}.breakdance .bde-section-492-174>.section-background-overlay{opacity:0.4}<\/style><section class=\"bde-section-492-174 bde-section\">\n              \n  \n  \n\t\n\n  <div class=\"section-background-overlay\"><\/div>\n\n\n<div class=\"section-container\"><h1 class=\"bde-heading-492-175 bde-heading\">\nCommercial Property Financing Strategies for Funding Deals\n<\/h1><\/div>\n<\/section><section class=\"bde-section-492-100 bde-section\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><div class=\"bde-text-492-101 bde-text\">\nCommercial property financing strategies determine how you secure funding for your next deal, whether you are acquiring a stabilized asset, repositioning a value-add opportunity, or refinancing an existing holding. The capital structure you choose affects your returns, your risk exposure, and your ability to close on time.<br><br>The most effective approach is matching your financing method to the specific deal type, timeline, and risk profile rather than defaulting to a single loan product. Debt, equity, and creative financing each serve different purposes, and experienced commercial real estate investors frequently combine them within the same transaction.<br><br>With approximately 20 percent of $4.8 trillion in commercial mortgages maturing in 2025 and 2026, competition for capital remains intense. Lenders are selective. But investors with strong business plans, solid financials, and a clear understanding of their financing strategies still close deals consistently.<br><br>This guide breaks down every major funding path available to you right now, compares the tradeoffs of each, and shows you how to structure the right capital stack for your specific situation.\n<\/div><h1 class=\"bde-heading-492-102 bde-heading\">\nKey Takeaways\n<\/h1><div class=\"bde-rich-text-492-104 bde-rich-text breakdance-rich-text-styles\">\n<ul>\n<li>Matching the right financing type to your deal's timeline, property condition, and risk level is more important than chasing the lowest interest rate.<\/li>\n<li>Combining senior debt, mezzanine financing, and equity in a single capital stack gives you flexibility that no single loan product can provide.<\/li>\n<li>Preparing detailed financials, building lender relationships, and understanding key metrics like DSCR and LTV significantly improve your approval odds and loan terms.<\/li>\n<\/ul>\n<\/div><h2 class=\"bde-heading-492-106 bde-heading\">\nHow Commercial Property Financing Works\n<\/h2><img decoding=\"async\" class=\"bde-image2-492-176 bde-image2\" src=\"http:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/financial-metrics.jpg\" loading=\"lazy\" srcset=\"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/financial-metrics.jpg 1376w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/financial-metrics-300x167.jpg 300w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/financial-metrics-1024x572.jpg 1024w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/financial-metrics-768x429.jpg 768w\" sizes=\"(max-width: 1376px) 100vw, 1376px\"><div class=\"bde-text-492-107 bde-text\">\nCommercial real estate financing covers any external funding used to purchase, develop, or refinance income-producing property. The mechanics differ substantially from residential lending, and lenders evaluate risk through a distinct set of financial metrics tied to the property's performance rather than just your personal income.\n<\/div><h3 class=\"bde-heading-492-108 bde-heading\">\nWhat Counts As A Commercial Real Estate Loan\n<\/h3><div class=\"bde-text-492-109 bde-text\">\nA commercial real estate loan is any debt instrument secured by a property used for business or investment purposes. This includes multifamily buildings with five or more units, office space, retail centers, industrial warehouses, self-storage facilities, and hotels.<br><br>The loan can come from a traditional bank, a credit union, a government-backed program like the SBA, or a private lender. What makes it \"commercial\" is the collateral type and the underwriting approach, not the lender.\n<\/div><h3 class=\"bde-heading-492-110 bde-heading\">\nHow Commercial Terms Differ From Residential Financing\n<\/h3><div class=\"bde-text-492-111 bde-text\">\nCommercial real estate loans differ from residential mortgages in several important ways:\n<\/div><div class=\"bde-rich-text-492-112 bde-rich-text breakdance-rich-text-styles\">\n<table>\n<thead>\n<tr>\n<th>Feature<\/th>\n<th>Residential<\/th>\n<th>Commercial<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Loan term\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/td>\n<td>15\u201330 years\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/td>\n<td>5\u201320 years<\/td>\n<\/tr>\n<tr>\n<td>Amortization<\/td>\n<td>Matches loan term<\/td>\n<td>Often longer than term (25\u201330 years)<\/td>\n<\/tr>\n<tr>\n<td>Down payment<\/td>\n<td>3\u201320%<\/td>\n<td>20\u201335%<\/td>\n<\/tr>\n<tr>\n<td>Interest rates<\/td>\n<td>Lower, standardized<\/td>\n<td>Higher, varies by deal<\/td>\n<\/tr>\n<tr>\n<td>Balloon payment<\/td>\n<td>Rare<\/td>\n<td>Common at maturity<\/td>\n<\/tr>\n<tr>\n<td>Underwriting focus<\/td>\n<td>Borrower income<\/td>\n<td>Property cash flow<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><div class=\"bde-text-492-113 bde-text\">\nThe mismatch between amortization and loan term means you will likely face a balloon payment when your loan matures. This creates refinance risk that you need to plan for from day one.<br><br>A fixed interest rate provides payment stability, while variable rates may offer lower initial costs but expose you to rate increases over the loan's life.\n<\/div><h3 class=\"bde-heading-492-114 bde-heading\">\nKey Metrics Lenders Review Before Funding\n<\/h3><div class=\"bde-rich-text-492-115 bde-rich-text breakdance-rich-text-styles\">\n<p>Lenders assess commercial deals through property-level and borrower-level analysis. The three metrics that matter most are:<\/p>\n<ul>\n<li><strong>Loan-to-Value (LTV):<\/strong>\u00a0Most lenders cap LTV at 65\u201380%. A lower LTV reduces their risk and often earns you better terms.<\/li>\n<li><strong>Debt Service Coverage Ratio (DSCR):<\/strong>\u00a0Lenders typically require a minimum DSCR of 1.20x to 1.25x, meaning the property's net operating income must exceed the annual debt service by at least 20\u201325%.<\/li>\n<li><strong>Debt Yield:<\/strong>\u00a0Calculated as NOI divided by the total loan amount, this metric provides a leverage-neutral view of risk. Most lenders want to see debt yields of 8% or higher.<\/li>\n<\/ul>\n<\/div><div class=\"bde-text-492-116 bde-text\">\nBeyond these numbers, lenders review your credit history, experience with similar assets, repayment schedules on existing debt, and the strength of your business plan.\n<\/div><h2 class=\"bde-heading-492-117 bde-heading\">\nCore Loan Options For Buying Commercial Property\n<\/h2><img decoding=\"async\" class=\"bde-image2-492-177 bde-image2\" src=\"http:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/choice-of-loan-product.jpg\" loading=\"lazy\" srcset=\"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/choice-of-loan-product.jpg 1376w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/choice-of-loan-product-300x167.jpg 300w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/choice-of-loan-product-1024x572.jpg 1024w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/choice-of-loan-product-768x429.jpg 768w\" sizes=\"(max-width: 1376px) 100vw, 1376px\"><div class=\"bde-text-492-118 bde-text\">\nYour choice of loan product shapes the cost, speed, and flexibility of your deal. Traditional bank loans, SBA loans, bridge loans, and hard money loans each serve different deal profiles, and selecting the wrong one can cost you in fees, time, or lost opportunity.\n<\/div><h3 class=\"bde-heading-492-120 bde-heading\">\nTraditional Bank Loans For Stabilized Assets\n<\/h3><div class=\"bde-text-492-119 bde-text\">\nTraditional bank loans offer the lowest interest rates and longest terms in commercial real estate financing, making them ideal for stabilized, cash-flowing properties. You can expect rates ranging from 6% to 8% in the current environment, with terms of 5 to 20 years and amortization periods of 25 to 30 years.<br><br>The tradeoff is speed and qualification difficulty. Banks require extensive documentation, strong credit (typically 680+), and proven borrower experience. Underwriting can take 45 to 90 days.<br><br>These loans work best when you are purchasing a property with in-place tenants, stable occupancy, and predictable income.\n<\/div><h3 class=\"bde-heading-492-121 bde-heading\">\nSBA Loan Programs For Owner-Occupied Properties\n<\/h3><div class=\"bde-rich-text-492-122 bde-rich-text breakdance-rich-text-styles\">\n<p>SBA loans are designed for business owners who will occupy at least 51% of the property. Two programs dominate:<\/p>\n<ul>\n<li><strong>SBA 7(a):<\/strong>\u00a0Loan amounts up to $5 million with terms up to 25 years. Useful for purchasing, refinancing, or improving commercial property.<\/li>\n<li><strong>SBA 504:<\/strong>\u00a0Combines a bank loan (50%), a CDC loan (40%), and your down payment (10%). Offers below-market fixed interest rates on the CDC portion.<\/li>\n<\/ul>\n<p>SBA loans allow lower down payments than conventional commercial financing, sometimes as low as 10%. The process involves more paperwork and longer timelines, but the terms are favorable for qualifying owner-occupants.<\/p>\n<\/div><h3 class=\"bde-heading-492-123 bde-heading\">\nSBA Loan Programs For Owner-Occupied Properties\n<\/h3><div class=\"bde-rich-text-492-124 bde-rich-text breakdance-rich-text-styles\">\n<p>Bridge loans fill the gap when you need to close quickly or when the property does not yet qualify for permanent financing. These are short-term loans, typically 6 to 36 months, with interest rates ranging from 8% to 12%.<\/p>\n<p>You would use a bridge loan when:<\/p>\n<ul>\n<li>The property has high vacancy that you plan to stabilize<\/li>\n<li>You need to close before a competitor<\/li>\n<li>Renovations are required before a bank will underwrite permanent debt<\/li>\n<\/ul>\n<p>The exit strategy is critical. Lenders want to see a clear plan to refinance into long-term debt or sell the asset before the bridge loan matures.<\/p>\n<\/div><h3 class=\"bde-heading-492-125 bde-heading\">\nHard Money Loans From Private Lenders\n<\/h3><div class=\"bde-text-492-126 bde-text\">\nHard money loans come from private lenders and are secured primarily by the property's value rather than your creditworthiness. Rates typically run from 10% to 15%, with terms of 12 to 24 months and origination fees of 1 to 3 points.<br><br>Speed is the main advantage. Hard money lenders can fund deals in as little as one to two weeks.<br><br>These loans make sense for distressed acquisitions, auction purchases, or situations where traditional financing is unavailable due to property condition or borrower credit issues. The cost is significantly higher, so you need a clear plan to refinance or sell within the loan term.\n<\/div><h2 class=\"bde-heading-492-127 bde-heading\">\nCreative And Alternative Financing Strategies\n<\/h2><img decoding=\"async\" class=\"bde-image2-492-178 bde-image2\" src=\"http:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/creative-financing.jpg\" loading=\"lazy\" srcset=\"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/creative-financing.jpg 1376w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/creative-financing-300x167.jpg 300w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/creative-financing-1024x572.jpg 1024w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/creative-financing-768x429.jpg 768w\" sizes=\"(max-width: 1376px) 100vw, 1376px\"><div class=\"bde-text-492-128 bde-text\">\nWhen traditional commercial real estate loans do not fit your deal, creative financing and alternative financing methods can bridge the gap. These strategies give you more control over terms, reduce upfront capital requirements, or provide access to capital that banks will not extend.\n<\/div><h3 class=\"bde-heading-492-129 bde-heading\">\nSeller Financing For Flexible Deal Terms\n<\/h3><div class=\"bde-rich-text-492-130 bde-rich-text breakdance-rich-text-styles\">\n<p>Seller financing occurs when the property owner acts as the lender, allowing you to make payments directly to them instead of a bank. You negotiate the interest rate, down payment, and repayment schedule directly with the seller.<\/p>\n<p>This approach works well when:<\/p>\n<ul>\n<li>The seller owns the property free and clear<\/li>\n<li>You cannot qualify for bank financing on the specific asset<\/li>\n<li>Both parties want to close without lengthy underwriting<\/li>\n<\/ul>\n<p>Typical structures include a promissory note with a 5 to 10 year term and a balloon payment at maturity. Interest rates are negotiable but generally fall between bank rates and hard money rates.<\/p>\n<\/div><h3 class=\"bde-heading-492-131 bde-heading\">\nLease Option Structures To Control Property With Less Cash\n<\/h3><div class=\"bde-text-492-132 bde-text\">\nA lease option lets you lease a commercial property with the right to purchase it at a predetermined price within a set timeframe. A portion of your lease payments typically applies toward the purchase price.<br><br>This strategy lets you control the asset, generate income from it, and build equity before committing to a full acquisition. It is particularly useful when you need time to improve the property's performance or your financial position before qualifying for permanent financing.\n<\/div><h3 class=\"bde-heading-492-133 bde-heading\">\nMezzanine Financing And Mezzanine Debt In The Capital Stack\n<\/h3><div class=\"bde-text-492-134 bde-text\">\nMezzanine financing sits between senior debt and equity in the capital stack. Mezzanine debt is subordinate to the first mortgage but senior to equity, and it typically carries interest rates of 12% to 20%.<br><br>You use mezzanine financing when you need additional leverage beyond what a senior lender will provide. For example, if a bank funds 65% LTV and you have 15% equity, mezzanine debt can fill the remaining 20% gap.<br><br>The lender's security is usually a pledge of the ownership interest in the borrowing entity rather than a lien on the property itself.\n<\/div><h3 class=\"bde-heading-492-135 bde-heading\">\nAlternative Financing When Banks Are Too Restrictive\n<\/h3><div class=\"bde-rich-text-492-136 bde-rich-text breakdance-rich-text-styles\">\n<p>Several other alternative financing paths exist when banks are not an option:<\/p>\n<ul>\n<li><strong>Debt funds:<\/strong>\u00a0Private investment funds that originate commercial loans with more flexible underwriting than banks.<\/li>\n<li><strong>Crowdfunding platforms:<\/strong>\u00a0Pool capital from multiple investors for specific deals, typically for smaller commercial projects.<\/li>\n<li><strong>Cross-collateralization:<\/strong>\u00a0Using equity in an existing property to secure financing for a new acquisition.<\/li>\n<\/ul>\n<p>Each alternative comes with higher costs or reduced control. Evaluate the total cost of capital, including fees, interest, and equity dilution, before committing.<\/p>\n<\/div><h2 class=\"bde-heading-492-137 bde-heading\">\nEquity-Based Funding And Partnership Structures\n<\/h2><img decoding=\"async\" class=\"bde-image2-492-179 bde-image2\" src=\"http:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/equity-financing.jpg\" loading=\"lazy\" srcset=\"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/equity-financing.jpg 1376w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/equity-financing-300x167.jpg 300w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/equity-financing-1024x572.jpg 1024w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/equity-financing-768x429.jpg 768w\" sizes=\"(max-width: 1376px) 100vw, 1376px\"><div class=\"bde-text-492-138 bde-text\">\nEquity financing provides capital without the repayment obligations of debt. Commercial real estate investors use equity structures to fund larger acquisitions, reduce personal risk, and access expertise they may not have on their own.\n<\/div><h3 class=\"bde-heading-492-139 bde-heading\">\nEquity Financing Versus Debt Financing\n<\/h3><div class=\"bde-text-492-140 bde-text\">\nThe core distinction is straightforward. Debt financing requires regular repayment with interest regardless of property performance. Equity financing involves giving investors an ownership stake in exchange for capital, with returns tied to the property's actual performance.\n<\/div><div class=\"bde-rich-text-492-141 bde-rich-text breakdance-rich-text-styles\">\n<table>\n<thead>\n<tr>\n<th>Factor<\/th>\n<th>Debt Financing\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/th>\n<th>Equity Financing<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Repayment\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/td>\n<td>Fixed schedule<\/td>\n<td>Performance-based distributions<\/td>\n<\/tr>\n<tr>\n<td>Cost<\/td>\n<td>Interest rate (6\u201315%)<\/td>\n<td>Share of profits (often 15\u201325% IRR target)<\/td>\n<\/tr>\n<tr>\n<td>Control<\/td>\n<td>Borrower retains full control<\/td>\n<td>Shared with equity partners<\/td>\n<\/tr>\n<tr>\n<td>Risk to you<\/td>\n<td>Personal guarantees common<\/td>\n<td>No repayment obligation<\/td>\n<\/tr>\n<tr>\n<td>Upside<\/td>\n<td>Capped at property returns minus interest<\/td>\n<td>Shared with investors<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><div class=\"bde-text-492-142 bde-text\">\nMost commercial deals use a combination of both. The right balance depends on your risk tolerance, return targets, and how much control you want to maintain.\n<\/div><h3 class=\"bde-heading-492-143 bde-heading\">\nJoint Ventures For Shared Risk And Expertise\n<\/h3><div class=\"bde-rich-text-492-144 bde-rich-text breakdance-rich-text-styles\">\n<p>A joint venture pairs you with one or more partners to acquire and operate a property together. One partner typically contributes capital, while the other contributes operating expertise, deal sourcing, or property management capability.<\/p>\n<p>Joint ventures work well for:<\/p>\n<ul>\n<li>Entering a new market or asset class where you lack experience<\/li>\n<li>Deals that require more capital than you can raise independently<\/li>\n<li>Partnerships with institutional investors or developers<\/li>\n<\/ul>\n<p>The operating agreement defines each party's responsibilities, profit splits, decision-making authority, and exit provisions.<\/p>\n<\/div><h3 class=\"bde-heading-492-145 bde-heading\">\nReal Estate Syndication And Passive Investor Capital\n<\/h3><div class=\"bde-text-492-146 bde-text\">\nReal estate syndication involves a sponsor (you) raising capital from multiple passive investors to acquire a specific property. The sponsor manages the deal in exchange for fees and a promoted interest (profit share above a preferred return).<br><br>This structure lets you control larger assets with less personal capital. Passive investors receive a preferred return, typically 7% to 10%, before profits are split.<br><br>Syndications require compliance with securities regulations. You will need proper legal documentation, including a private placement memorandum, operating agreement, and subscription agreements.\n<\/div><h3 class=\"bde-heading-492-147 bde-heading\">\nPrivate Equity For Larger Commercial Acquisitions\n<\/h3><div class=\"bde-text-492-148 bde-text\">\nPrivate equity firms invest institutional capital into commercial real estate through fund structures or direct co-investments. These partnerships typically target deals valued at $10 million or more.<br><br>Private equity partners bring significant capital and often require substantial control over major decisions, including refinancing, capital expenditures, and disposition timing. In return, you gain access to capital at a scale that would be difficult to raise through syndication alone.<br><br>The equity split heavily favors the capital partner in most private equity structures, so this path makes the most sense when the deal size or complexity demands it.\n<\/div><h2 class=\"bde-heading-492-150 bde-heading\">\nChoosing The Right Financing Strategy For Your Deal\n<\/h2><img decoding=\"async\" class=\"bde-image2-492-180 bde-image2\" src=\"http:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/the-right-financing-strategy.jpg\" loading=\"lazy\" srcset=\"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/the-right-financing-strategy.jpg 1376w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/the-right-financing-strategy-300x167.jpg 300w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/the-right-financing-strategy-1024x572.jpg 1024w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/the-right-financing-strategy-768x429.jpg 768w\" sizes=\"(max-width: 1376px) 100vw, 1376px\"><div class=\"bde-text-492-149 bde-text\">\nNo single financing strategy works for every commercial deal. Your property type, investment timeline, risk tolerance, and capital availability should drive the decision. The goal is to select financing strategies that align with your specific business plan rather than forcing your deal into whatever capital is easiest to access.\n<\/div><h3 class=\"bde-heading-492-151 bde-heading\">\nMatching Financing To Acquisition, Repositioning, Or Refinance Goals\n<\/h3><div class=\"bde-rich-text-492-152 bde-rich-text breakdance-rich-text-styles\">\n<p>Your investment strategy dictates your best financing options:<\/p>\n<ul>\n<li><strong>Stabilized acquisition:<\/strong>\u00a0Traditional bank loans or SBA loans offer the lowest cost of capital for properties with strong occupancy and predictable cash flow.<\/li>\n<li><strong>Value-add or repositioning:<\/strong>\u00a0Bridge loans or a combination of bridge debt and mezzanine financing gives you the short-term flexibility to execute renovations and lease-up before refinancing into permanent debt.<\/li>\n<li><strong>Refinance:<\/strong>\u00a0Permanent debt from banks or life insurance companies works best when the property is performing and you want to lock in a fixed interest rate for the long term.<\/li>\n<\/ul>\n<\/div><h3 class=\"bde-heading-492-154 bde-heading\">\nWhen To Use Value-Add Strategies With Short-Term Capital\n<\/h3><div class=\"bde-text-492-155 bde-text\">\nValue-add strategies require capital that matches the project timeline. A bridge loan with a 12 to 24 month term gives you time to renovate, stabilize occupancy, and increase NOI before refinancing.<br><br>Pairing short-term debt with an equity investment from partners can reduce your personal capital at risk while funding the improvement plan. The key is ensuring your projected NOI after stabilization supports permanent financing at favorable terms.\n<\/div><h3 class=\"bde-heading-492-156 bde-heading\">\nHow To Combine Senior Debt, Mezzanine, And Equity\n<\/h3><div class=\"bde-rich-text-492-157 bde-rich-text breakdance-rich-text-styles\">\n<p>The capital stack for a typical commercial deal might look like this:<\/p>\n<ul>\n<li><strong>Senior debt:<\/strong>\u00a060\u201370% of the total project cost at the lowest interest rate<\/li>\n<li><strong>Mezzanine financing:<\/strong>\u00a010\u201320% at a higher rate, filling the leverage gap<\/li>\n<li><strong>Equity:<\/strong>\u00a010\u201325% from you and your investors<\/li>\n<\/ul>\n<p>Each layer has a different cost and priority in repayment. Senior debt gets paid first, then mezzanine debt, then equity investors. The more leverage you use, the higher your potential returns but also the greater your risk if the property underperforms.<\/p>\n<\/div><h3 class=\"bde-heading-492-158 bde-heading\">\nBalancing Cost Of Capital, Speed, And Control\n<\/h3><div class=\"bde-rich-text-492-159 bde-rich-text breakdance-rich-text-styles\">\n<p>Every financing decision involves tradeoffs between three factors:<\/p>\n<ul>\n<li><strong>Cost:<\/strong>\u00a0Bank loans are cheapest; equity is most expensive but carries no repayment obligation.<\/li>\n<li><strong>Speed:<\/strong>\u00a0Hard money and bridge loans close fastest; bank and SBA loans take the longest.<\/li>\n<li><strong>Control:<\/strong>\u00a0Debt preserves your full ownership; equity partners share decision-making.<\/li>\n<\/ul>\n<p>Map your priorities before approaching lenders or investors. If speed matters most, accept the higher cost of bridge or hard money financing. If long-term cost efficiency is the priority, invest the time to qualify for traditional bank financing.<\/p>\n<\/div><h2 class=\"bde-heading-492-160 bde-heading\">\nHow To Improve Approval Odds And Negotiate Better Terms\n<\/h2><img decoding=\"async\" class=\"bde-image2-492-181 bde-image2\" src=\"http:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/negotiate-terms.jpg\" loading=\"lazy\" srcset=\"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/negotiate-terms.jpg 1376w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/negotiate-terms-300x167.jpg 300w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/negotiate-terms-1024x572.jpg 1024w, https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-content\/uploads\/2026\/04\/negotiate-terms-768x429.jpg 768w\" sizes=\"(max-width: 1376px) 100vw, 1376px\"><div class=\"bde-text-492-161 bde-text\">\nPreparation directly impacts both your likelihood of approval and the terms you receive. Lenders assess risk systematically, and the more you reduce their perceived risk, the better your rate, leverage, and flexibility.\n<\/div><h3 class=\"bde-heading-492-162 bde-heading\">\nDocuments And Financials To Prepare Before Applying\n<\/h3><div class=\"bde-rich-text-492-163 bde-rich-text breakdance-rich-text-styles\">\n<p>Organize these documents before approaching any lender:<\/p>\n<ul>\n<li><strong>Property-level:<\/strong>\u00a0Rent roll, trailing 12-month operating statements, pro forma projections, capital expenditure budget, and lease abstracts<\/li>\n<li><strong>Borrower-level:<\/strong>\u00a0Personal financial statement, tax returns (2\u20133 years), entity formation documents, schedule of real estate owned, and a detailed business plan<\/li>\n<li><strong>Down payment verification:<\/strong>\u00a0Bank statements showing liquidity and source of funds<\/li>\n<\/ul>\n<p>Having a complete package ready demonstrates professionalism and accelerates the underwriting process.<\/p>\n<\/div><h3 class=\"bde-heading-492-164 bde-heading\">\nHow Credit, Experience, And Property Performance Affect Terms\n<\/h3><div class=\"bde-rich-text-492-165 bde-rich-text breakdance-rich-text-styles\">\n<p>Lenders weigh three primary factors when setting your terms:<\/p>\n<ul>\n<li><strong>Credit score:<\/strong>\u00a0A score above 700 opens access to the best rates. Below 650, you will likely need alternative financing or a creditworthy partner.<\/li>\n<li><strong>Track record:<\/strong>\u00a0Experience with similar asset types and deal sizes gives lenders confidence. If you lack experience, partnering with a seasoned operator can compensate.<\/li>\n<li><strong>Property fundamentals:<\/strong>\u00a0Strong occupancy, diverse tenant mix, and a location in an economically stable market all improve your terms.<\/li>\n<\/ul>\n<\/div><h3 class=\"bde-heading-492-166 bde-heading\">\nNegotiating Interest Rates, Guarantees, And Repayment Schedules\n<\/h3><div class=\"bde-rich-text-492-167 bde-rich-text breakdance-rich-text-styles\">\n<p>Approach negotiations with multiple competing term sheets when possible. Key areas to negotiate include:<\/p>\n<ul>\n<li><strong>Interest rate:<\/strong>\u00a0Even a 25 basis point reduction meaningfully impacts your cash flow over the loan term. A fixed interest rate provides certainty; a variable rate may lower initial payments.<\/li>\n<li><strong>Personal guarantees:<\/strong>\u00a0Push for limited or partial recourse rather than full personal guarantees, especially on larger deals.<\/li>\n<li><strong>Prepayment penalties:<\/strong>\u00a0Request step-down structures or yield maintenance rather than rigid lockout periods.<\/li>\n<li><strong>Repayment schedules:<\/strong>\u00a0Longer amortization periods reduce your monthly payments and improve DSCR. Negotiate for 25 or 30 year amortization when available.<\/li>\n<\/ul>\n<\/div><h3 class=\"bde-heading-492-168 bde-heading\">\nBuilding Relationships With Lenders And Capital Partners\n<\/h3><div class=\"bde-text-492-170 bde-text\">\nThe best loan terms often go to borrowers with established lender relationships. Start building those relationships before you need capital.<br><br>Meet with commercial lenders at local banks and credit unions. Share your investment strategy and deal pipeline. Repeat business earns you faster underwriting, better pricing, and more flexibility when a deal does not fit neatly into standard criteria.<br><br>Working with a commercial mortgage broker can also expand your options. Brokers have access to multiple private lenders, debt funds, and institutional sources that you may not reach on your own.\n<\/div><h2 class=\"bde-heading-492-172 bde-heading\">\nFrequently Asked Questions\n<\/h2><div class=\"bde-frequently-asked-questions-492-171 bde-frequently-asked-questions\">\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-171-button-1\" aria-expanded=\"false\" aria-controls=\"bde-faq-171-1\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">What financing options are most common for buying commercial real estate, and how do they compare?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 32 32\">\r\n<path d=\"M31 12h-11v-11c0-0.552-0.448-1-1-1h-6c-0.552 0-1 0.448-1 1v11h-11c-0.552 0-1 0.448-1 1v6c0 0.552 0.448 1 1 1h11v11c0 0.552 0.448 1 1 1h6c0.552 0 1-0.448 1-1v-11h11c0.552 0 1-0.448 1-1v-6c0-0.552-0.448-1-1-1z\"\/>\r\n<\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><!-- Font Awesome Free 5.15.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) --><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-171-button-1\" id=\"bde-faq-171-1\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>The most common options are traditional bank loans, SBA loans, bridge loans, and hard money loans. Bank loans offer the lowest rates for stabilized properties but require strong credit and lengthy underwriting. Bridge and hard money loans close faster at higher rates and work best for transitional or distressed assets.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-171-button-2\" aria-expanded=\"false\" aria-controls=\"bde-faq-171-2\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">How can I improve my chances of getting approved for a commercial real estate loan?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 32 32\">\r\n<path d=\"M31 12h-11v-11c0-0.552-0.448-1-1-1h-6c-0.552 0-1 0.448-1 1v11h-11c-0.552 0-1 0.448-1 1v6c0 0.552 0.448 1 1 1h11v11c0 0.552 0.448 1 1 1h6c0.552 0 1-0.448 1-1v-11h11c0.552 0 1-0.448 1-1v-6c0-0.552-0.448-1-1-1z\"\/>\r\n<\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><!-- Font Awesome Free 5.15.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) --><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-171-button-2\" id=\"bde-faq-171-2\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Prepare a complete financial package including property operating statements, personal financial statements, and a detailed business plan before applying. Strengthen your position by improving your credit score, increasing your down payment, and partnering with experienced operators if you lack a track record in the specific asset class.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-171-button-3\" aria-expanded=\"false\" aria-controls=\"bde-faq-171-3\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">What loan-to-value, DSCR, and debt yield requirements should I expect from lenders?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 32 32\">\r\n<path d=\"M31 12h-11v-11c0-0.552-0.448-1-1-1h-6c-0.552 0-1 0.448-1 1v11h-11c-0.552 0-1 0.448-1 1v6c0 0.552 0.448 1 1 1h11v11c0 0.552 0.448 1 1 1h6c0.552 0 1-0.448 1-1v-11h11c0.552 0 1-0.448 1-1v-6c0-0.552-0.448-1-1-1z\"\/>\r\n<\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><!-- Font Awesome Free 5.15.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) --><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-171-button-3\" id=\"bde-faq-171-3\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Most commercial lenders require an LTV of 65% to 80%, a minimum DSCR of 1.20x to 1.25x, and a debt yield of at least 8% to 10%. Deals with stronger metrics receive better rates and terms, while properties that fall below these thresholds may require mezzanine financing or additional equity to meet lender requirements.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-171-button-4\" aria-expanded=\"false\" aria-controls=\"bde-faq-171-4\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">How do interest rates, amortization periods, and balloon payments typically work in commercial loans?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 32 32\">\r\n<path d=\"M31 12h-11v-11c0-0.552-0.448-1-1-1h-6c-0.552 0-1 0.448-1 1v11h-11c-0.552 0-1 0.448-1 1v6c0 0.552 0.448 1 1 1h11v11c0 0.552 0.448 1 1 1h6c0.552 0 1-0.448 1-1v-11h11c0.552 0 1-0.448 1-1v-6c0-0.552-0.448-1-1-1z\"\/>\r\n<\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><!-- Font Awesome Free 5.15.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) --><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-171-button-4\" id=\"bde-faq-171-4\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Commercial loan interest rates currently range from 6% to 8% for bank financing and up to 15% for hard money loans. Amortization periods are typically 25 to 30 years, but loan terms are shorter at 5 to 20 years. This mismatch creates a balloon payment at maturity, meaning you need to refinance or pay off the remaining balance when the term ends.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-171-button-5\" aria-expanded=\"false\" aria-controls=\"bde-faq-171-5\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">What documents and financial statements do lenders usually require during underwriting?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 32 32\">\r\n<path d=\"M31 12h-11v-11c0-0.552-0.448-1-1-1h-6c-0.552 0-1 0.448-1 1v11h-11c-0.552 0-1 0.448-1 1v6c0 0.552 0.448 1 1 1h11v11c0 0.552 0.448 1 1 1h6c0.552 0 1-0.448 1-1v-11h11c0.552 0 1-0.448 1-1v-6c0-0.552-0.448-1-1-1z\"\/>\r\n<\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><!-- Font Awesome Free 5.15.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) --><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-171-button-5\" id=\"bde-faq-171-5\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Lenders typically require two to three years of tax returns, a personal financial statement, bank statements verifying liquidity, the property's rent roll, trailing 12-month operating history, a pro forma budget, entity formation documents, and a written business plan detailing your investment strategy and exit plan.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n      <div class=\"bde-faq__item\">\n      <h3 class=\"bde-faq__title-tag\">\n       <button id=\"bde-faq-171-button-6\" aria-expanded=\"false\" aria-controls=\"bde-faq-171-6\" class=\"bde-faq__question js-faq-item\">\n          <span class=\"bde-faq__title\">When should I consider alternative funding sources like bridge loans, mezzanine debt, or private lenders?<\/span>\n                           <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--inactive\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 32 32\">\r\n<path d=\"M31 12h-11v-11c0-0.552-0.448-1-1-1h-6c-0.552 0-1 0.448-1 1v11h-11c-0.552 0-1 0.448-1 1v6c0 0.552 0.448 1 1 1h11v11c0 0.552 0.448 1 1 1h6c0.552 0 1-0.448 1-1v-11h11c0.552 0 1-0.448 1-1v-6c0-0.552-0.448-1-1-1z\"\/>\r\n<\/svg>\n                            <\/div>\n         \t  <div aria-hidden=\"true\" class=\"bde-faq__icon bde-faq__icon--active\">\n                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><!-- Font Awesome Free 5.15.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) --><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"\/><\/svg>\n                            <\/div>\n                  <\/button>\n      <\/h3>\n      <div role=\"region\" aria-labelledby=\"bde-faq-171-button-6\" id=\"bde-faq-171-6\" class=\"bde-faq__answer\">\n        <div class=\"bde-faq__answer-content\">\n            <div class=\"breakdance-rich-text-styles\"><p>Consider these options when your deal does not fit traditional bank criteria due to property condition, vacancy levels, borrower credit, or closing timeline. Bridge loans work best for value-add deals requiring 6 to 36 months of stabilization. Mezzanine debt fills leverage gaps between senior debt and equity. Private lenders offer speed when competitive situations demand a fast close.<\/p><\/div>\n\n                    <\/div>\n      <\/div>\n    <\/div>\n  \n<\/div><\/div>\n<\/section><section class=\"bde-section-492-173 bde-section\">\n  \n  \n\t\n\n\n\n<div class=\"section-container\"><\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>Commercial Property Financing Strategies for Funding Deals Commercial property financing strategies determine how you secure funding for your next deal, whether you are acquiring a stabilized asset, repositioning a value-add opportunity, or refinancing an existing holding. The capital structure you choose affects your returns, your risk exposure, and your ability to close on time.The most [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":511,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_breakdance_hide_in_design_set":false,"_breakdance_tags":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-492","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-json\/wp\/v2\/posts\/492","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-json\/wp\/v2\/comments?post=492"}],"version-history":[{"count":32,"href":"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-json\/wp\/v2\/posts\/492\/revisions"}],"predecessor-version":[{"id":563,"href":"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-json\/wp\/v2\/posts\/492\/revisions\/563"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-json\/wp\/v2\/media\/511"}],"wp:attachment":[{"href":"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-json\/wp\/v2\/media?parent=492"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-json\/wp\/v2\/categories?post=492"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dev.sacramentowebdesigngroup.com\/dena\/wp-json\/wp\/v2\/tags?post=492"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}