- PROPERTY TYPES
Across the full spectrum of commercial real estate
Mainstream property types most lenders compete for and specialty types most lenders avoid. We cover both.
Every commercial property type has a different lender pool. Multi-family attracts agency programs and life companies; gas stations require specialty fuel-and-convenience lenders; hotels need flag-aware underwriting; self-storage has its own dedicated capital sources. Knowing which lender to bring each property to is half of getting commercial financing done right.
Below is a non-exhaustive list of property types we routinely finance. If your property isn’t listed, it doesn’t mean we can’t help it usually means we should have a 20-minute conversation about your specific situation.
- Mainstream Property Types
Multi-Family / Apartments
From small 5-unit buildings to large apartment communities. Strong lender appetite across agency programs (Fannie Mae, Freddie Mac), banks, life companies, and CMBS. Among the most competitive segments in commercial finance.
Retail
Strip centers, anchored centers, single-tenant net lease, and freestanding retail. Underwriting depends heavily on tenant credit, lease terms, and location dynamics. Strong execution available on well-positioned assets; specialty programs needed for transitional retail.
Office
Suburban and urban office properties, medical office, professional buildings. Office underwriting has tightened significantly in recent years; lender selection matters more here than almost anywhere else. We know which lenders are still active and on what terms.
Mixed-Use
Properties combining residential, retail, office, or other uses in a single asset. Often misunderstood by conventional lenders; ideal for relationship-based regional banks and specialty programs that understand mixed-use cash flow.
Industrial / Warehouse
Distribution, light manufacturing, flex, cold storage, and last-mile logistics. One of the strongest commercial real estate segments. Multiple lender pools competing for quality industrial deals across most markets.
- Specialty Property Types
Hospitality / Hotels
Limited-service, full-service, extended-stay, and boutique hotels. Flag, location, and operating performance all factor heavily. Specialty hospitality lenders, SBA 7(a), and CMBS conduits all play in this space each with very different appetite.
Self-Storage
Stabilized, value-add, and ground-up self-storage. Self-storage has its own dedicated lender ecosystem with specialized underwriting standards. Strong segment with consistent capital availability.
Mobile Home / Manufactured Housing
Stabilized parks and value-add opportunities. Specialized lender pool that understands park economics, lot rent dynamics, and infrastructure considerations. Often poorly served by generalist commercial lenders.
Gas Stations & Convenience
Branded and unbranded fuel-and-convenience properties, often combined with car washes or quick-service restaurants. Environmental due diligence is significant. SBA 7(a) is frequently the right execution; specialty lenders also active.
Automotive
Auto repair, body shops, dealerships, and car wash properties. Specialty lenders and SBA programs are typically the right path. Environmental review and use-specific underwriting required.
Mobile Home / Manufactured Housing
Stabilized parks and value-add opportunities. Specialized lender pool that understands park economics, lot rent dynamics, and infrastructure considerations. Often poorly served by generalist commercial lenders.
Religious Facilities
Churches, synagogues, mosques, and other religious-use properties. Limited but real lender pool. Specialty programs designed for the unique cash flow and ownership structures of religious organizations.
Restaurants & Food Service
Owner-occupied restaurant real estate, brewery/distillery facilities, and food-service properties. SBA frequently fits owner-users; conventional and specialty lenders for investor-owned.
Other Specialty Types
Daycare facilities, funeral homes, marinas, RV parks, golf courses, and other specialty property types. We've placed financing on most categories the discovery call is the right starting point.
- WHEN OTHERS PASS
Difficult properties are where we add the most value.
Most commercial brokers and direct lenders avoid the property types above the standard four (multi-family, retail, office, industrial) because the lender pool is smaller, the underwriting is harder, and the deal flow is inconsistent. We’ve built TJA around exactly the opposite premise.
Specialty property types reward specialty knowledge. Lender selection, deal packaging, and condition negotiation all matter more on a hotel or a gas station than on a stabilized apartment building. After two decades of placing this work, we know which lenders are real, which are responsive, and which structures actually close on which property types.
If your property is unusual — and you’ve been told it’s hard to finance — that’s typically when we should talk.
Have a property that doesn't fit a standard box?
Tell us about it. There’s almost always a lender and we usually know which one.