Welcome to the HR Capital Edge network. You're now connected to a team that specializes in commercial real estate financing — from multifamily and mixed-use to retail, industrial, and beyond.

Here's how to make the most of your membership:

1. Submit Your Deal

Ready to explore financing? Fill out our Commercial Loan Application to get started:

👉 https://www.jotform.com/form/261324774195058

We review every submission personally and match you with the right capital solution for your deal.

2. Stay Sharp with Market Insights

Check the Market Insights feed for market updates, rate trends, lender intel, and deal structuring tips. The commercial lending landscape moves fast — stay informed.

3. Ask Questions in the Deal Room

Head over to the Deal Room chat to ask questions, discuss deals, and connect with other borrowers navigating the commercial financing process.

4. What We Cover

• Acquisition & refinance loans

• Bridge and construction financing

• SBA loans (7a & 504)

• DSCR and bank statement programs

• All commercial asset classes

Whether you're closing your first deal or your fiftieth, we're here to help you secure the right capital on the best terms.

Let's get to work.

— HR Capital Edge Team

If you're pursuing your first commercial real estate loan, avoid these costly mistakes that trip up even experienced investors:

1. Going to the Wrong Lender

Not all lenders are created equal. A bank that does residential all day may have no appetite for your 20-unit multifamily or mixed-use deal. Matching your deal to the right capital source — bank, credit union, CDFI, bridge lender, CMBS — is half the battle.

2. Not Understanding Your DSCR

Debt Service Coverage Ratio is the single most important metric in commercial lending. If your Net Operating Income doesn't cover the proposed debt payment by at least 1.20-1.25x, most lenders won't even look at your deal. Know your numbers before you apply.

3. Waiting Until You "Need" the Money

Commercial loans take 30-90+ days to close. If you're scrambling for capital at the last minute, you'll pay more in fees, accept worse terms, or lose the deal entirely. Start the financing conversation early — ideally before you're under contract.

4. Having No Exit Strategy

Every lender wants to know: how do they get repaid? Whether it's a refinance into permanent debt, a sale, or stabilized cash flow, you need a clear and credible exit strategy. "I'll figure it out later" is not a plan.

5. Not Shopping Your Deal

The first term sheet you receive is rarely the best one. Rates, fees, prepayment penalties, and structure vary significantly between lenders. Working with a financing advisor who has relationships across the capital markets ensures you're seeing the full picture.

Bottom line: Commercial lending rewards preparation. The more organized and informed you are going in, the better your terms coming out.

Have questions about your deal? Join the HR Capital Edge network and submit your loan application — we'll help you navigate the process from start to finish.