Lease doc lending is a type of commercial loan where the lender uses the rental income from the property as the primary way to assess servicing.
Instead of relying on traditional income verification, the strength of the lease becomes the key factor. This makes it a practical option when your financials don’t fully reflect your position but the property itself generates strong, consistent income.
It is commonly used for:
Lenders will focus heavily on the lease and the property itself.
They typically review:
A long term lease with a strong tenant can significantly improve the strength of the application. Short leases or vacant properties are generally treated more conservatively.
Lease doc lending is often used when:
In these situations, relying on the lease can provide a clearer and more practical way to assess the deal.
Not all lenders assess lease income in the same way. Some apply heavy discounts to rental income, while others are more aligned with the actual lease.
We assess your scenario upfront and match it with lenders that are suited to that type of deal. We also ensure the lease and property are presented clearly so the lender can assess the application on its strengths.
If you’re looking at a commercial property and want to understand how lease doc lending could work for your situation, speak with Peter Marcs Finance and get a clear view of your options.
