How Regional Bank CRE Lending Policies Shift During Rate Tightening Cycles
Banks shifted from projected to actual income and cut loan-to-value ratios during rate hikes.
Priya Raghunathan
Section
Lender Behavior
8 stories in Lender Behavior.
Life Company Lending Criteria for Core Commercial Real Estate
How life insurers' long-dated liabilities dictate their lending rules.
Renata Szymańska-Cole
How Lenders Evaluate First-Time Sponsors on Commercial Loan Applications
Lenders swap track record for net worth, liquidity, and in-place income.
Theodore Varela
How Lender CRE Portfolio Concentration Limits Affect Deal Placement
Internal sub-segment caps, not deal quality, decide which banks can say yes.
Priya Raghunathan
What Triggers a Lender Credit Committee Rejection
Committees reject deals over cash flow, leases, and portfolio limits.
Marcus Obi-Nwosu
Debt Fund vs Bank Lending Appetite by Property Type
Banks and debt funds now split CRE lending by property type.
Priya Raghunathan
How Lenders Underwrite Assumptions in CRE Financial Models
Lenders now validate every assumption instead of accepting sponsor projections as given.
Marcus Obi-Nwosu
How DSCR Requirements Differ Across CRE Lender Categories
Banks examine borrower finances broadly; CMBS conduits focus narrowly on property cash flow alone.
Marcus Obi-Nwosu