Insights

Insights on commercial real estate debt

Analysis of HUD, SBA, CMBS and bridge financing for senior living, hotels and multifamily, with the numbers behind each program. Written by a licensed California broker; every figure comes from the same assumptions as our loan sizer. Building or buying with private money? Start with our construction loan and hard money loan guides.

Multifamily
What the 2025 HUD changes mean for 223(f) and 221(d)(4) loans
HUD raised leverage and cut coverage for multifamily loans in 2025 and moved to a flat insurance premium. Here is what changed for 223(f) and 221(d)(4).
October 31, 2026 · 3 minute read
Senior living
HUD 232 or a bridge loan first? Choosing between permanent and interim debt
A care facility that is not ready for HUD 232 may need a bridge loan first. See how to decide, what the bridge must prove and what the exit test looks like.
October 31, 2026 · 3 minute read
Hotels
SBA 504 or 7(a) for a hotel acquisition?
Compare SBA 504 and 7(a) for buying a hotel: structure, equity, rate type, caps and when a 7(a) plus 504 stack can raise the total SBA financing.
October 31, 2026 · 3 minute read
Underwriting
DSCR or debt yield: which constraint limits your loan?
Loan size is the smallest of several limits. See how DSCR, debt yield and loan-to-value each cap a loan, with a worked example and when each one binds.
October 31, 2026 · 3 minute read
California
The California Mortgage Loan Disclosure Statement (RE 882): what borrowers should expect
California brokers give borrowers a Mortgage Loan Disclosure Statement on loans secured by real property. See what it contains, when it arrives and why.
October 31, 2026 · 3 minute read

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Corin Commercial is a real estate broker, not a lender. Lenders make all credit decisions and fund loans as lender of record. Corin never holds, transfers, or disburses loan funds and does not service loans.

All rates, terms, and sizing are indicative estimates for discussion only, are not a commitment to lend, and are subject to lender underwriting, appraisal, credit approval, and program guidelines in effect at application. Corin Commercial arranges loans as a licensed California real estate broker and is not the lender.

Timelines are typical ranges after a complete file and are subject to lender approval, appraisal, title, and diligence. They are not guaranteed.

Corin Commercial, Inc. · Real estate broker, California Department of Real Estate · CA DRE Corp. License #01522444 · Designated Officer: Neeli Khanna

What the 2025 HUD changes mean for 223(f) and 221(d)(4) loans

HUD 232 or a bridge loan first? Choosing between permanent and interim debt

SBA 504 or 7(a) for a hotel acquisition?

DSCR or debt yield: which constraint limits your loan?

The California Mortgage Loan Disclosure Statement (RE 882): what borrowers should expect

Get the Corin newsletter

Talk through your deal with an advisor