Commercial Mortgages.
Commercial, Industrial, Mixed-Use & More.
Private Mortgage Lender & Broker Advisory Services.
Serving Ontario & British Columbia.
What is a Commercial Mortgage?
Commercial mortgage lenders.
A commercial mortgage is a loan secured against commercial real estate, such as an apartment building, mixed-use property, office unit, industrial facility, retail plaza, or other income-producing commercial property. Commercial mortagges are commonly used by business owners, real estate investors, corporations, and partnerships to purchase, refinance, or construct commercial real estate. Just like residential mortgages, commercial financing is offered through a range of lender types, including traditional ‘A-Lenders’, alternative ‘B-Lenders’ and private commercial mortgage lenders, each offering varying terms, risk appetites, and underwriting criteria. When reviewing a commercial mortgage application, lenders consider several key factors: the property type, location, zoning, physical condition, purchase price or appraised value, the loan amount requested, the loan-to-value, the purpose of funds, and the debt service coverage ratio (DSCR), a critical metric showing a property’s ability to cover its operating expenses. Lenders also assess the strength of the borrower or loan sponsor (guarantor), including their income, credit, net worth, and experience. This is only a high-level overview of what commercial mortgage lenders evaluate during the underwriting process. At DV Capital, we bring extensive experience in sourcing and structuring commercial acquisition loans, commercial refinancing, construction financing, bridge loans, and term loans for clients across Ontario, British Columbia, and Nova Scotia. Whether you’re financing a multi-unit residential building or a retail or industrial asset, DV Capital provides access to a full spectrum of commercial real estate financing solutions tailored to your goals.
Owner-Occupied Commercial Mortgages.
Commercial Real Estate Financing.
Many business owners across Canada eventually consider purchasing commercial or industrial real estate from which their business operates, rather than continuing to rent. Owning your business premises can offer greater control, long-term cost stability, and the ability to build equity in a commercial asset over time. At DV Capital, we provide customized commercial mortgage financing solutions for owner-occupied properties, including individual commercial units, industrial condos, freestanding buildings, and multi-use commercial properties. Whether you’re looking to purchase a new property, refinance an existing commercial mortgage, or construct a new business facility, DV Capital works with a broad spectrum of commercial mortgage lenders, including traditional ‘A-Lenders’, alternative ‘B-Lenders’ and private commercial mortgage lenders. Traditional and alternative commercial lenders typically assess factors like property location, zoning, debt service coverage ratios (DSCR), and the financial strength, experience, and net worth of the business owners or guarantors. In contrast, private commercial lenders typically offer faster closings and more flexible underwriting, especially for borrowers who may not meet traditional underwriting and debt service coverage ratio guidelines. While private commercial lending usually comes with an interest rate premium, it may be ideal for business owners seeking speed, lower documentation burdens, or financing for unique or transitional properties. DV Capital has deep experience advising and securing owner-occupied commercial mortgage solutions for business owners and real estate holding companies in Ontario, British Columbia, and Nova Scotia. Whether you’re expanding, relocating, or building a new commercial facility, our team helps you access the capital you need to take full ownership of your business’s future.
Mixed-Use Commercial Mortgage.
Mixed Use Property lenders.
A mixed-use property is a unique type of real estate asset that combines both commercial and residential units within the same building or parcel. A common example is a property with retail storefronts or office space on the ground level and residential apartments on the upper floors. These properties can generate multiple streams of income and are popular among real estate investors, developers, and small business owners alike. At DV Capital, we specialize in arranging mixed-use commercial mortgage financing, whether you’re looking to purchase, refinance, or construct a mixed-use property. Our team will help you navigate the complexities of lender underwriting and position your file for approval, even if you’ve been turned down elsewhere. Traditional and alternative commercial mortgage lenders often apply strict criteria when financing mixed-use buildings, placing heavy scrutiny on property location, condition, zoning, debt service coverage ratio (DSCR), and the experience and financial profile of the guarantors. These lenders also tend to have longer approval timelines and less flexibility when it comes to non-standard property types or borrower profiles. If you’ve encountered obstacles with bank financing or require a faster, more tailored approach, DV Capital offers access to alternative and private commercial mortgage lenders who understand the nuances of mixed-use property financing and are often more accommodating when it comes to credit, income, or zoning challenges. DV Capital will provide a complimentary review of your mixed-use mortgage request and create a financing strategy that fits your goals. Our team has deep experience helping clients secure financing for mixed-use properties throughout urban, suburban, and rural markets in Ontario, BC, and Nova Scotia.
Industrial Real Estate Financing & Mortgages.
Financing for Industrial Properties.
At DV Capital, we specialize in sourcing and structuring mortgage financing for industrial real estate across Ontario, British Columbia, and Nova Scotia. We provide flexible funding solutions for a wide range of industrial properties, including warehouses, manufacturing facilities, industrial condominiums, office-warehouse combos, distribution centers, and showroom spaces – whether owner-tenanted, single-tenanted or multi-tenanted Our industrial mortgage options include term loans, bridge financing, construction loans, and second mortgages, available through traditional lenders, alternative lenders, and private industrial mortgage lenders. We facilitate industrial mortgages for acquiring, refinancing, building, developing, and repositioning industrial real estate assets. Like other types of commercial mortgage financing, industrial mortgage underwriting involves evaluating several key factors: property location, zoning, condition, environmental risks, tenancy profile, cash flow, and the financial strength and real estate experience of the loan sponsors or guarantors. Traditional and alternative lenders often require rigorous due diligence, including strong debt service coverage ratios (DSCR), stable rent rolls, and verifiable business income. In contrast, private industrial mortgage lenders can offer faster approvals and greater flexibility, making them ideal for time-sensitive or non-traditional opportunities with interest rate premiums that reflect higher risk tolerance. DV Capital helps business owners, developers, and investors secure the right industrial mortgage product to match their strategy.
Multi-Family Residential Mortgages & Apartment Building Financing.
Mortgage Lender for Multi-Family Real Estate.
Multi-family real estate is one of the most active and in-demand asset classes in Canada, playing a vital role in providing housing for Canadians. Properties with five or more residential rental units fall under the category of multi-family residential and may qualify for a range of mortgage financing options, including conventional loans, CMHC-insured mortgage programs and private mortgages. At DV Capital, we provide real estate owners, investors and developers with competitive mortgage financing for apartment buildings, townhomes, row houses, purpose-built rental housing, student housing, and senior living facilities. CMHC-insured multi-family mortgages offer several benefits over conventional financing, including lower interest rates, higher loan-to-value (LTV) ratios, longer amortization periods, and reduced risk premiums. These features can significantly improve cash flow and returns for long-term buy-and-hold investors and developers. Whether you’re acquiring a stabilized multi-family property, refinancing an existing rental building, constructing a new apartment development, or repositioning an underperforming asset, DV Capital provides tailored mortgage solutions to support your project’s success. We facilitate CMHC-insured, conventional, term, bridge, and construction financing for multi-family residential real estate throughout Ontario, British Columbia, and Nova Scotia.
Self-Storage Mortgage Financing.
Mortgages for Self Storage Facilities.
The self-storage industry continues to see rapid growth across Canada, including an increasing number of facilities being developed and acquired in key markets throughout Ontario, British Columbia, and Nova Scotia. As demand rises, self-storage has emerged as a resilient and income-generating commercial real estate asset class, attracting interest from both institutional investors and entrepreneurial operators. At DV Capital, we arrange self-storage mortgage financing solutions for property owners, developers, and real estate investors. Whether you’re acquiring an existing facility, refinancing an income-producing property, or constructing a new development, our team sources financing through traditional lenders, alternative lenders, and private capital sources. Commercial mortgage lenders evaluate self-storage loan requests based on several factors, including property location, occupancy rates, net operating income (NOI), market competition, and the operator’s experience. While traditional lenders offer competitive rates, they often have stricter underwriting requirements and slower turnaround times. In contrast, private commercial mortgage lenders are flexible and provide short-term financing options such as bridge loans, construction loans, or repositioning capital with speed and less red tape. Whether you’re looking to expand your portfolio or develop a new self-storage facility, we’ll guide you toward the right self-storage mortgage strategy, backed by experience and access to diverse capital channels.
Student Housing Mortgage Financing.
How to finance student housing in canada.
Student housing plays a vital role in supporting post-secondary institutions and surrounding communities across Canada. With demand for high-quality, affordable student accommodations on the rise, purpose-built student housing (PBSH) has become a high-performing asset class among developers and institutional real estate investors. DV Capital arranges conventional and CMHC-insured mortgage financing, as well as private mortgage financing for student housing developments located on- and off-campus, including new construction, acquisitions, and refinancing of stabilized assets. CMHC-insured student housing mortgages offer significant advantages over conventional financing, including higher loan-to-value ratios, lower debt service coverage ratio requirements, preferred interest rates, and extended amortization periods of up to 40 years. However, these mortgage programs come with specific qualification criteria and underwriting expectations, including scrutiny around project location, rental demand, occupancy assumptions, construction draw schedules, the financial strength and net worth of the developer or guarantor, and overall lease-up strategy. Whether you’re a seasoned investor, a private developer, or an institution exploring the student housing sector, DV Capital provides expert advisory and financing services to help you secure student housing mortgage financing that aligns with your project’s structure and objectives. With access to institutional and private capital, we assist real estate investors in financing student housing properties across Ontario, British Columbia, and Nova Scotia.
Condominium Corporation Loans & Strata Loans.
Condo & Strata Corporation Financing.
DV Capital offers customized condominium corporation loans to condo boards and property managers across Ontario, British Columbia, and Nova Scotia who are facing major expenses such as special assessments, capital repairs, emergency maintenance, or legal disputes. When mortgage lenders decline to offer loans due to the lack of tangible real estate collateral or non-traditional ownership structures, DV Capital steps in with tailored lending solutions that provide the necessary capital without overburdening unit owners. Whether your condominium corporation needs to fund urgent building repairs, a structural retrofit, energy efficiency upgrades, or settle a legal issue, our team works closely with board members and management to secure cost-effective financing with reasonable terms. Our goal is to alleviate financial pressure while preserving the long-term stability of your condo community, the reputation and marketability of the building. Contact DV Capital to explore condo corporation and strata corporation loan options that meet your building’s needs and timelines.
Commercial Property types.
Commercial Real Estate Financing.
- Commercial & Industrial Units, Buildings & Plazas.
- Multi-Unit & Apartment Building Mortgages Financing.
- Hotels & Motel Mortgage Financing.
- Car Dealership Mortgage Financing.
- Golf Course Mortgage Financing.
- Private School Mortgage Financing.
- Marina & Resort Mortgage Financing.
- Warehouse Mortgage Financing.
- Cinema Mortgage Financing.
- Parking Lot Mortgage Financing.
- Mobile Home & Trailer Park Mortgage Financing.
- Recreation-Vehicle Park Mortgage Financing
- Standard & Affordable Student Housing Mortgage Financing.
- Multi-Family Mortgage Financing.
- Office & Retail Unit & Building Mortgage Financing.
- Medical Office & Plaza Mortgage Financing.
- Self-Storage Mortgage Financing.
- Mortgage for Places of Worship (Mosque, Church, Temple).
- & More.
Commercial Mortgage Purposes.
Commercial Debt Lenders.
- Acquisition / Purchase Financing.
- Private Commercial Mortgages
- Refinancing / Permanent Take-Out Financing.
- Capital Repairs or Improvements.
- Bridge Loans
- Term Loans.
- Equity Take-Out.
- Construction & Development Financing.
- Condominium / Strata Conversion Project Financing
- Strata Conversion Financing.
- Condominium or Strata Inventory Loan Financing.
- Inter-Alia / Blanket Mortgage Financing.
- Conventional, CMHC-Insured & Private Commercial Mortgages.
Required Documents for Commercial Mortgages.
How to Apply for a Commercial Mortgage.
When applying for a commercial mortgage, submitting the right documentation is crucial for lender approval. At DV Capital, we simplify the commercial mortgage application process by advising clients on the specific documents required, based on their unique financing needs. Our extensive experience and knowledge of lender underwriting guidelines allow us to efficiently represent our clients’ financing requests and improve the chances of approval. Transparency and full disclosure are expected by all mortgage lenders, including private mortgage lenders providing equity-based and asset-focused approvals, and are essential to securing competitive commercial mortgage financing. Even if you’ve been turned down elsewhere, sufficient property equity often opens up viable approval options.
Typical documents required for a commercial mortgage application include:
- DV Capital Mortgage Application
- A.A.C.I. Appraisal Ordered by DV Capital
- Agreement of Purchase and Sale & MLS Listing
- Existing Mortgage Statements
- Property Tax Statement
- Property Insurance Policy
- CRA Documents (If/As Applicable)
- Property-Specific Reports (i.e., Environmental Site Assessments)
- Rent Roll & Lease Agreements
- Building Income & Expense Statements
- Property Description