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Meet Bill Rapp

NMLS ID # NMLS # 228246

William Rapp, based in Houston, TX, US, is currently a Capital Advisor at Medallion Funds, bringing experience from previous roles at eXp Commercial, NEXA Mortgage, Viking Enterprise LLC and Sun Realty - Houston. William Rapp holds a 1997 - 2001 BBA in Finance @ Texas A&M University. With a robust skill set that includes REO, Sellers, SFR, FHA financing, Reverse Mortgages and more, William Rapp contributes valuable insights to the industry.

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Great experience purchasing our first home! Bill was easy to reach and always able to answer any questions or concerns.

27185 Astoria Brook Ln, Katy, TX 77494, USA

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📘 Understanding CRE Financing: A Beginner’s Guide to Commercial Real Estate Loans 💡

💼 CRE Financing Explained: Everything You Need to Know 🏦

Bill Rapp, Commercial Mortgage Broker

October 21, 2025•2 min read

💼 CRE Financing Explained: Everything You Need to Know 🏦

📘 Understanding CRE Financing: A Beginner’s Guide to Commercial Real Estate Loans 💡

CRE Financing Explained: How It Works and Why It Matters

Commercial Real Estate (CRE) financing is the backbone of investment and business growth. Whether you’re purchasing an office, retail space, multifamily building, or warehouse, understanding how CRE loans work is key to structuring a profitable deal.

Unlike residential mortgages, CRE loans are designed for income-producing properties and are typically offered to entities—such as LLCs or corporations—rather than individuals. They involve more complex underwriting standards, higher loan amounts, and detailed financial reviews.

Types of CRE Financing

Here are the main types of CRE loans investors and business owners use:

·Conventional Bank Loans: Standard term loans with fixed or variable rates. Great for established borrowers with strong credit and income.

·SBA Loans (504 & 7a): Ideal for owner-occupied properties and small business expansion.

·Bridge Loans: Short-term financing used to acquire or stabilize a property before long-term financing.

·Construction Loans: Fund ground-up development or major renovations.

·CMBS Loans: Commercial Mortgage-Backed Securities offering non-recourse options and competitive rates.

·DSCR Loans: Designed for investors focused on property cash flow rather than personal income.

Key Loan Factors to Understand

Lenders analyze several critical components before approval:

·Loan-to-Value (LTV): Typically 65–80%, depending on the property and loan type.

·Debt Service Coverage Ratio (DSCR): Measures the property’s ability to cover loan payments—most lenders want 1.20x or higher.

·Property Type and Condition: Retail, industrial, medical, multifamily, and special-use properties each carry unique risk levels.

·Borrower Experience & Financial Strength: Lenders prefer experienced investors with strong liquidity and reserves.

Why Work with a Mortgage Broker

A seasoned mortgage broker—like Medallion Funds—can help structure the best deal possible by:

·Accessing 600+ lenders including banks, private capital, and non-recourse programs.

·Comparing loan terms, rates, and fees to fit your investment strategy.

·Navigating appraisals, underwriting, and closing efficiently.

·Saving time while ensuring your financing aligns with your project goals.

Final Thoughts

Whether you’re purchasing your first investment property or expanding your portfolio, understanding CRE financing is essential to your success. With the right structure, financing can unlock leverage, increase ROI, and accelerate portfolio growth.

👉 Connect with Medallion Funds today to explore your best financing options for commercial real estate.
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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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