Financing scenario
Commercial, Investment Property & Land
When the asset itself defines the conversation, the review starts with what the property is, how it is used, and who is the right lending professional to look at it.
Asset types reviewed
- Investment property
- Non-owner-occupied residential and small income property held for rental income or resale. Occupancy status, rent roll, and condition all form part of the picture.
- Commercial real estate
- Retail, office, industrial, and mixed-use assets. Tenancy, lease structure, property condition, and the business purpose of the funds are reviewed together.
- Land
- Parcels held for future use or resale. Entitlement status, zoning, access, and utilities meaningfully change how a lending professional views the collateral.
- Development
- Sites moving toward or through entitlement and construction. The development plan, approvals in hand, and the capital stack all matter to the review.
What influences the introduction
No single factor decides anything. Together they determine which lending professionals are appropriate — and whether private capital is the right path at all.
Property type
Different lending professionals concentrate on different asset classes. Matching the property type to the right relationship is a large part of the value of an introduction.
Business purpose
The use of funds must be a business or investment purpose. Consumer-purpose and owner-occupied residential transactions are outside the scope of what is reviewed.
Collateral
Condition, lien position, title, occupancy, and any environmental or access issues affect how the transaction is evaluated.
Transaction strength
How the deal holds together — contribution, sources and uses, and the coherence of the plan — carries weight alongside the asset.
Timeline
A realistic schedule is more useful than an aggressive one. Deadlines should be disclosed rather than discovered mid-process.
Exit plan
Sale, refinance, lease-up, or completion of entitlement. Private capital is generally shorter-term, so repayment is central.
The decision is not ours
OC Private Money evaluates and organizes the scenario and may introduce a qualified prospective borrower to an independent lending professional. That professional performs their own underwriting and decides whether and on what terms to proceed.
Nothing on this page states or implies a rate, term, loan-to-value, approval standard, or timing outcome.