Commercial Cashout Refinance in just 8 Days

How We Solved a $900K Commercial Office Financing Challenge—Fast

When a client needed to tap equity from a $900,000 commercial office space, we ran into a roadblock: zoning and usage issues meant traditional financing was off the table. Instead of letting the deal stall, we pivoted to a hard money solution.

The Challenge:

• Zoning and usage issues blocked conventional lending

• Client needed fast access to cash

• Existing seller-financed mortgage: $210,000

The Solution:

• Secured a hard money loan at 33% loan-to-value

• Closed in just 8 days (much faster than industry average)

• Funds used to pay off seller financing and address zoning issues

The Outcome:

Our client now has the capital needed to resolve the property’s zoning and usage, with a plan to return in a few months for a refinance into a 30-year, lower-rate, stabilized mortgage.

Why it Matters:

This deal shows how creative lending strategies and fast execution can unlock opportunities—especially when traditional lenders say “no.” If you’re facing a complex real estate or loan scenario, I’m here to help you find solutions that work.

Call me 786-657-6458 -

Kerby - Loan Commander, Miami, FL