One balance sheet, financed as one.
Owner-occupied and commercial-property financing sits on the same balance sheet as the business behind it: we structure it to protect both.
The property and the business are one picture
An owner-occupied or commercial-property loan is a household and business decision at once: it belongs on both balance sheets, and it changes how much other risk the household should carry.
Modeled before the lender conversation
We run the scenarios before you talk to a lender, so the shopping conversation starts from a structure you've already tested against your plan rather than one a loan officer suggests on the spot.
What’s included.
- Fixed vs adjustable modeled against business and household cash flow
- Cash-out and HELOC analysis for the ownership entity
- Jumbo and interest-only structures weighed side by side
- A refinance break-even point, not just a lower rate
- Tax-deductibility coordination with CPAs: raised before you file
How it works.
Model both balance sheets
You see fixed, adjustable, and term-length scenarios run against the combined business and household cash flow, not a generic rate table.
Confirm the deduction question
The deductibility question goes to the accounting team before you close.
Shop with a tested structure
You walk into the lender conversation with a structure already tested against your plan, instead of taking the one a loan officer suggests on the spot.
Answers from the practice.
How do you structure financing when the property sits on the business balance sheet?
An owner-occupied or commercial loan touches the business balance sheet and the household balance sheet at once. We model the combined cash flow and review how the loan changes what other risk the household and business can carry, before you shop it.
Is a commercial real estate review right for my situation?
If the loan is small relative to the picture and the structure is simple, a lender alone may serve you fine. A first conversation is how we find out: observations are shared, decisions stay yours.
What happens after I reach out about commercial real estate financing?
We start with a conversation about the owner-occupied or commercial purchase you're weighing. We review the business and household balance sheet, cash flow, and tax picture the loan will live inside, and give you a straight answer on whether and how the practice can help before you shop it.
Coordinate with the rest of the firm.
Business Credit
The business and household balance sheet are one system for an owner: we structure borrowing to protect both.
MortgageInvestment Real Estate
Rental and investment-property financing depends on how long you'll actually hold the property and what it needs to cash-flow: we model the structure against both before you shop it.
Wealth ManagementFamily Office Services
Concierge financial administration, generational governance, and consolidated reporting, for families whose wealth has become its own institution.
Talk through commercial real estate.
An introductory conversation is the easiest way to learn whether 755 Financial is the right fit.
Schedule a Conversation