Our Process

Securing commercial real estate financing can be complicated, no matter what your project’s size or how much experience you have. At RealDebt, we believe every transaction—whether you’re financing the purchase of a new property, refinancing an office building, or weighing investment options in multifamily or retail—benefits from expert support. Our process is built to add value. With RealDebt, you’ll have an expert guiding you through each stage. We’ll work with you to craft a clear investment strategy and prepare a thorough file that highlights the strengths of both the sponsor and the property. Then, we’ll take your transaction to market and work to deliver the debt at terms that reflect your goals and objectives in leveraging the property.

Step 1: Initial Consultation and Discovery

Every client relationship starts with a conversation about your objectives. Whether you’re seeking commercial mortgage options for a property purchase, considering a refinance, or exploring your next investment, we take the time to understand your goals and any unique challenges. We want to understand your long-term vision—be it growing your portfolio, purchasing multifamily properties for stabilization and sale, or expanding into new commercial sectors—and answer any questions you have about the process, loan types, or market conditions.

Step 2: Pre-Qualification and Financial Summary

Once we’ve mapped out your objectives, we’ll gather a high-level understanding of your property and financial profile. This includes details like property type, estimated loan amount, ownership structure, and the purpose of your financing. Whether you’re investing in an office complex, looking at multifamily loans, or searching for retail or industrial financing, this step helps us quickly identify the most relevant programs and set expectations about what’s possible, and what documentation and diligence will be needed, saving you time and ensuring a focused approach.

Step 3: Application and Documentation

With the foundation in place, we’ll guide you through a straightforward application process. Our team helps you collect the necessary documentation, from property and financial statements to ownership records and credit authorizations. We’re here to streamline the paperwork, explain each requirement, and assemble a package that does its job to highlight the strengths of your transaction — making sure lenders will see the value of the opportunity to provide the leverage.

Step 4: Loan Structuring and going to Market

Here’s where our market knowledge makes a real impact. Using the loan package, we structure a financing solution tailored to your property, investment strategy, and credit profile. For competitive deals, we run a process that puts your opportunity in front of multiple lenders—creating competition so you benefit from stronger terms and more flexible options. If your transaction has unique elements, such as complex ownership or unusual property features, we know how to position it with lenders who specialize in creative solutions and don’t shy away from a challenge.

Step 5: Negotiation and Commitment

Once we’ve sourced the strongest offers, we’ll present you with a clear comparison of terms and help you weigh the pros and cons of each. Our team manages negotiations on your behalf, using our relationships and up-to-date market data to ensure you get the best possible outcome. From the letter of intent (LOI) to final agreement, you’ll always understand the terms, fees, and next steps—no surprises.

Step 6: Due Diligence and Underwriting

This phase involves a deeper dive by your selected lender, including third-party reports like appraisals, inspections, and sometimes environmental reviews. We coordinate document collection, facilitate communication with underwriters, and help resolve any questions or issues that arise. Our priority is to keep your transaction moving forward and to make sure you’re always informed and working towards a successful close.

Step 7: Closing and Funding

With final approval in hand, the next step is receipt and review of closing documents while the logistics are coordinated between all parties. We will work to ensures the process is smooth and stays on track—from securing wire instructions to completing the final walkthrough—so funds are disbursed promptly and your purchase, refinance, or investment gets completed.

Step 8: Post-Closing Support

Our relationship doesn’t end at the closing table. For us, this is where the partnership begins.  RealDebt stays connected, offering ongoing support as your portfolio evolves. We provide market updates, answer follow-up questions, and help you plan for future opportunities, whether that means identifying new commercial financing options, networking to locate properties for sale that fit your investment profile, or navigating the broader commercial real estate market.

Why Work with RealDebt?

At RealDebt, we combine a deep understanding of commercial real estate finance with strong lender relationships and a focus on our clients’ needs. By encouraging competition among lenders, we work hard to provide you with options—no matter how simple or complex your transaction might be. Whether you’re investing for the first time or you’ve been through this before, we’re here to help you navigate the debt markets for commercial real estate. From application to funding, we work hard to deliver results you can count on.