A mortgage loan secured by commercial property, such as an office building, shopping center, industrial warehouse, or apartment complex, Hotel, Gas Station etc. The proceeds from a commercial mortgage are typically used to acquire, refinance, or redevelop commercial property. These loans generally do not fit the normal matrix guidelines of banks and institutional lenders. They may have a higher LTV (Loan to Value), low debt coverage ratios, lack of invested capital and low equity invested as a stabilized factor to name a few.