Bill Rapp - Commercial & Residential Mortgage BrokerThe Secret to Getting Lower Rates: Understanding Debt Yield When borrowers ask how to get a lower interest rate, they usually expect answers like credit score, down payment, or loan-to-value. Those matter—but in commercial and investment lending, debt yield often matters more.
Bill Rapp - Commercial & Residential Mortgage BrokerWhy Cap Rates No Longer Tell the Full Story And what lenders are actually using to approve—or kill—deals like in 2025 For decades, cap rates were the go-to metric for valuing commercial real estate. They were simple, widely understood, and effective in a low-rate, stable credit environment. That world no longer exists.
Bill Rapp - Commercial & Residential Mortgage BrokerGSE Cap Hike Could Be a Tailwind for Multifamily Investors Multifamily investors may be entering 2026 with a meaningful financing advantage. The Federal Housing Finance Agency (FHFA) has raised multifamily lending caps for Fannie Mae and Freddie Mac, increasing each agency’s limit from $73 billion to $88 billion.
Bill Rapp - Commercial & Residential Mortgage BrokerCommon Lending Mistakes CRE Investors Make Commercial real estate financing is rarely simple—and small mistakes at the loan-structuring stage can cost investors hundreds of thousands of dollars over the life of a deal. From choosing the wrong loan product to misunderstanding lender underwriting priorities, these errors often surface late in the process when options are limited.