Independent mortgage brokerage · Advising clients since 2007 · Company NMLS #3915
(401) 481-8050
Commercial Mortgages
From a five-unit building to a mixed-use storefront or your own business's building, we arrange commercial financing across a network of lenders — so the deal fits the property, not one bank's box.
Independent brokerage since 20074.5★ on GoogleLicensed in RI, MA, PA, FL & ALA network of specialty lenders, one application
Commercial mortgages finance income-producing and owner-occupied commercial real estate — apartment buildings of five units or more, mixed-use, office, retail, industrial and special-purpose properties. Underwriting centers on the property's economics: its net operating income and debt-service coverage, the lease structure, and the borrower's experience.
As an independent brokerage, Atlantic shops your file across banks, credit unions and private lenders rather than channeling you into one institution's appetite — which matters in commercial, where one lender's “no” is another's ideal deal. These are business-purpose loans.
Property types we finance
Multifamily (5+ units)
Apartment buildings and larger residential income property, qualified on the rents.
Owner-occupied
Buy or refinance the building your own business operates from.
Mixed-use
Storefront-with-apartments and live/work buildings common across RI's main streets.
Office, retail & industrial
Investor and owner-user financing for commercial space.
Program at a glance
Best for
Investors and business owners buying or refinancing commercial real estate
The property's net operating income and debt-service coverage (DSCR)
Borrowers
Individuals, LLCs and entities; investors and owner-occupants
Transactions
Purchase, rate/term refinance and cash-out
Why a broker
Shopped across banks, credit unions and private lenders — one relationship
Where
Rhode Island and across New England
Where we lend business-purpose loans
Available
Not currently offered
Business-purpose (investor) loans only — not consumer mortgages. Availability is lender- and state-specific and subject to change; ask us about your state.
We arrange business-purpose (investor) loans — DSCR, hard money, bridge and commercial — in: Alaska, Alabama, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Massachusetts, Maryland, Maine, Michigan, Missouri, Mississippi, Montana, North Carolina, Nebraska, New Hampshire, New Jersey, New Mexico, New York, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, Wisconsin, West Virginia, Wyoming.
How working with us works
1
Tell us your scenario
A 10-minute call or the contact form: how you're paid, your goals, and the property. No credit pull to start.
2
We shop the right lenders
As a brokerage we match your file to specialty lenders built for it — not one bank's single guideline.
3
Pre-qualify with a plan
You get a clear path: the program, the documents, and the timeline, with a licensed loan officer on your file.
4
Close with confidence
We manage underwriting to the finish line and hand you off to a smooth closing day.
Common questions
How is a commercial mortgage different from a residential one?
Commercial loans are underwritten primarily on the property's income — its net operating income and debt-service coverage ratio (DSCR) — along with the lease structure and your experience, rather than personal W-2 income. Terms, amortization and structure vary more than residential.
What types of property can you finance?
Multifamily of five or more units, mixed-use, office, retail, industrial and many special-purpose properties — for both investors and owner-occupants.
Can my LLC be the borrower?
Yes. Commercial financing is routinely done in the name of an LLC or other entity. We'll structure it to fit how you hold title and your situation.
Do you handle smaller residential investment properties too?
Yes — for 1–4 unit investment properties a DSCR or investment property loan is often the better fit, and we arrange those as well.
How do I get started?
Send the basics — property type, location, purchase price or current value, and the rent roll or income if you have it. We'll tell you what's realistic and which lenders fit.
4.5★★★★★ Rated on Google · independent brokerage since 2007
“When I was faced with the most challenging deal of my career, Atlantic Mortgage found a way to make it happen. They went way out of their way to help my buyer… we weren’t just another file.”
— Joe H., real estate agent
★★★★★
“Second time using Mike for our mortgage process — by far the best person to handle it, answer any question, and make the entire experience stress-free!”
— Heather S.
★★★★★
“As our mortgage broker he was exceptional. Every step of the way he explained everything clearly, was very responsive, and patient with us as first-time home buyers.”
