Reviewed by Ahoo Khalessi, Division Manager & Loan Officer, NMLS #2239510 · Last updated June 2026
Bank said no? Your deal may still work.
We look beyond a one-size-fits-all lending box. When a traditional lender's guidelines do not fit the transaction, CTC Equity can review other capital sources and structures from a broad lender network. Depending on the deal, options may include purchases, refinances, substantial cash-out, bridge or business-purpose financing, cross-collateralization when it makes sense, financing without cross-collateralization when an eligible program allows, and alternative reserve structures.
Nationwide commercial & investment property financing
Eligible commercial, DSCR, investment-property, bridge, hard-money and business-purpose transactions are available nationwide through participating lenders, subject to property, borrower, lender and program requirements. Residential consumer lending remains subject to applicable state licensing.
Need cash out of a commercial property?
Put your equity back to work. Cash-out commercial financing may provide capital for business investment, property improvements, acquisitions, working capital or other eligible purposes, depending on the transaction and lender.
A property that doesn't fit the typical box?
Mixed-use, multifamily, commercial and specialized properties deserve more than a one-size-fits-all loan. We review the property, income, equity, business purpose and overall transaction to identify financing structures that may fit.
Need more flexibility with reserves?
Some transactions may allow alternative reserve structures depending on the lender and overall deal. Ahoo Khalessi has structured a past 60-unit multifamily commercial refinance where eligible transaction proceeds were used to address the borrower's reserve requirement. Past transactions are examples only; current requirements vary by lender.
Have equity in another property?
Cross-collateralization may provide another way to structure an eligible commercial purchase or refinance. Ahoo has also structured commercial purchases using additional real-estate collateral when the subject property alone did not support the borrower's objective. Other eligible programs may work without cross-collateralization.
Mixed-use financing experience
Past transactions structured by Ahoo include financing for a vineyard/mixed-use property combining business and residential use. Properties with multiple uses can require a more specialized lender and underwriting approach.
More lenders. More structures. More ways to make the deal work.
CTC Equity's role is to understand the full scenario and search for a workable financing path rather than forcing every transaction into the same guidelines. Have a commercial deal that does not fit the traditional box?
Bring us the scenario.Common questions
What types of commercial property can you finance?+
Multifamily, mixed-use, office, retail, industrial and specialized property types may be eligible for purchase, refinance or cash-out, subject to lender guidelines.
Can I get cash out on a commercial property?+
Cash-out options may be available depending on the asset, equity, borrower and lender requirements.
Do you offer commercial and investment-property financing nationwide?+
Yes. CTC Equity works with real-estate investors nationwide on eligible commercial, DSCR, investment-property, bridge, hard-money and business-purpose financing through participating lenders. Residential consumer lending is subject to applicable state licensing.
Do all commercial loans require cross-collateralization?+
No. Some transactions can be structured without additional collateral, while cross-collateralization can be useful for certain eligible purchases or refinances. The right structure depends on the transaction and lender.
Are there commercial loans with flexible reserve requirements?+
Some lenders and transaction structures may offer alternative ways to satisfy reserve requirements. We review the full scenario rather than assuming one reserve rule applies to every commercial loan.
Tell us your scenario. We'll find the option.
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