Posted by Spook on March 14, 2013 at 19:33:40 from (99.21.37.194):
In Reply to: O/T Bankers posted by Ohio Case on March 14, 2013 at 14:01:47:
I would find another bank. Also, if you haven't done it before, commercial real estate loans are not like residential loans. The interest is higher, and usually the term is quite a bit shorter, 5 years is common. The amortization schedule can be varied. The appraisal process is different, in that residential appraisers rarely do commercial loans. The next thing is to check on zoning, just because it's commercial doesn't mean it's zoned for your usage. I learned that the hard way, had to apply for a zoning change. Cost some $$. And then, had to apply for a biz license... more $$. I would say that the guy isn't interested in doing biz with you. Look at why? Good luck.
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