Commercial lenders do not use tax returns simply to verify income. They use them to evaluate borrower strength, repayment ability, liquidity, ownership structure, and underwriting risk.
Part I provides a practical look at how commercial lenders analyze personal and business tax returns during underwriting. Topics include the 4506-C transcript process, 1040 and business return analysis, K-1 income, financial statement reconciliation, and identifying common underwriting red flags before submission.
Part II focuses on global cash flow analysis, addbacks, lender-specific underwriting standards, and identifying red flags before the file reaches credit. Also covers how SBA lenders, CMBS lenders, life companies, and community banks evaluate the same borrower differently.
Price: $299 for the complete series. Individual courses available at $199 each.
Many brokers can put a deal together but struggle when it comes to reading and interpreting the financial statements lenders rely on to make their decisions. This course closes that gap.
You will learn how to read and interpret the key financial statements used in commercial real estate underwriting, what lenders are looking for, and how the numbers influence the outcome of a deal.
What you will walk away with: A clear understanding of the financial statements used in commercial underwriting. The ability to evaluate income and expenses the way lenders do. Greater confidence discussing the numbers with lenders and clients.
Price: $199
Commercial loan transactions involve a significant amount of documentation. This course gives you a clear understanding of what each document is, why lenders require it, and the role it plays in the transaction.
What you will walk away with: A clear understanding of the most common commercial loan documents and the role each plays in the transaction. An understanding of why lenders require specific documents and what they are looking to verify. The ability to read, interpret, and discuss loan documents with your clients and lenders with confidence.
Price: $199
Many brokers struggle to break into small commercial lending not because they lack drive, but because no one has shown them a clear, repeatable process for sourcing deals consistently. This course changes that.
You will learn the exact strategies and systems used by experienced commercial lending professionals to build a steady pipeline so you can stop guessing and start closing.
What you will gain: A reliable method for identifying quality small commercial deals. Practical outreach templates, conversation guides, and organizational systems to stay on track and follow up consistently. Real-world skills you can apply immediately.
Price: $199
Academy For Commercial Lending