# Janover Pro

> Janover Pro is a commercial real estate (CRE) and small business financing platform that connects mortgage brokers with lenders. Brokers use Janover Pro to search a database of 7,000+ verified lending originators, match deals to the right capital sources, create professional offering memorandums, and distribute loan requests -- all from one platform. The platform covers CRE property types, SBA loans, and small business lending. Built by JPro Labs LLC, headquartered in Boca Raton, FL.

## Platform

- [Janover Pro Platform](https://janover.pro): Main platform -- lender search, deal management, and distribution
- [Start Matching / Sign Up](https://get.janover.pro/?utm_source=janover.pro&utm_medium=website&utm_campaign=start_matching): New customers start through the Janover Pro gateway. Pricing is available after a demo walkthrough.
- [Log In](https://janover.pro/login): Existing users log in to the platform
- [For Lenders / Originators](https://janover.partners): Lender onboarding and profile management

## Key Features

- [Lender Search](https://janover.pro): Search and filter 7,000+ verified lending originators across 1,600+ banks, 400+ credit unions, and 1,000+ alternative lenders by loan amount, property type, execution type, location, and more
- [Deal Management](https://janover.pro): Create structured deal profiles, manage documents, and track deals through their lifecycle. Kanban board and list views let brokers manage their full pipeline in one place.
- [Smart Deal Intake Forms](https://janover.pro): Structured intake forms that capture deal details and automatically match to relevant lenders
- [Offering Memorandums](https://janover.pro): Generate professional, branded OMs from deal data -- customizable and exportable as PDFs
- [Deal Distribution & Outreach Sequences](https://janover.pro): Submit deals to multiple matched lenders at once, set up automated outreach sequences, and track responses in a unified inbox
- [Lender Intelligence & Credit Boxes](https://janover.pro): Detailed lender profiles with credit boxes (lending parameters), geographic footprint, execution types, and verified contact info. Lenders define their credit box so brokers can match deals precisely.
- [Deal Marketplace](https://janover.pro): Brokers and borrowers can list deals on the marketplace for broader exposure. Lenders and originators can browse active deals, filter by their criteria, and request access -- giving deals more visibility beyond direct outreach.
- [Contact Management](https://janover.pro): Built-in CRM for managing lender relationships, tracking outreach history, and organizing contacts
- [Team Management](https://janover.pro): Multi-seat team accounts with shared deals, contacts, and collaborative workflows

## Calculators

- [All Calculators](https://janover.pro/calculators): Free commercial real estate calculators for brokers and borrowers
- [DSCR Calculator](https://janover.pro/calculators/dscr-calculator): Calculate Debt Service Coverage Ratio -- the most important metric in CRE underwriting. Includes lender threshold guidance by loan type.
- [Cap Rate Calculator](https://janover.pro/calculators/cap-rate-calculator): Calculate capitalization rate and estimate property value from NOI. Includes reverse valuation calculator and market benchmarks by property type.
- [Commercial Mortgage Payment Calculator](https://janover.pro/calculators/commercial-mortgage-calculator): Calculate monthly P&I or interest-only payments, balloon balance at maturity, and view a full annual amortization schedule for commercial real estate loans.
- [NOI Calculator](https://janover.pro/calculators/noi-calculator): Calculate Net Operating Income with detailed line-item breakdown of income and expenses. Includes vacancy loss, management fees, and reserves.
- [Debt Yield Calculator](https://janover.pro/calculators/debt-yield-calculator): Calculate debt yield for commercial real estate loans. See how your property's NOI measures against the loan amount and where it falls relative to CMBS lender thresholds.
- [LTV Calculator](https://janover.pro/calculators/ltv-calculator): Calculate Loan-to-Value ratio and estimate maximum loan amount from property value. Dual-mode calculator with lender threshold guidance by loan type.
- [Yield Maintenance Calculator](https://janover.pro/calculators/yield-maintenance-calculator): Estimate yield maintenance prepayment penalty costs for CMBS, life company, and agency commercial loans based on remaining balance, note rate, Treasury rate, and time remaining.
- [Cash-on-Cash Return Calculator](https://janover.pro/calculators/cash-on-cash-return-calculator): Calculate cash-on-cash return for commercial real estate investments. Simple and detailed modes with interpretation guidance on leverage impact and return benchmarks by strategy type.
- [SBA 504 Payment Calculator](https://janover.pro/calculators/sba-504-payment-calculator): Calculate SBA 504 loan payments including the bank first mortgage and CDC debenture portions. Estimate combined monthly payments with detailed breakdown of both loan components.
- [Defeasance Cost Estimator](https://janover.pro/calculators/defeasance-cost-estimator): Estimate defeasance costs for prepaying CMBS and other commercial loans. Calculates approximate Treasury portfolio cost, servicer fees, and total defeasance expense based on loan balance, rate, and remaining term.
- [Loan Constant Calculator](https://janover.pro/calculators/loan-constant-calculator): Calculate the loan constant (mortgage constant) for commercial real estate loans. Compare financing options, evaluate positive vs negative leverage relative to cap rate, and understand annual debt service as a percentage of total loan amount.
- [Amortization Schedule Generator](https://janover.pro/calculators/amortization-schedule-generator): Generate a complete amortization schedule for commercial real estate loans. View monthly principal, interest, and balance breakdowns, model interest-only periods, and calculate balloon balances at term maturity.
- [Equity Multiple Calculator](https://janover.pro/calculators/equity-multiple-calculator): Calculate the equity multiple on any commercial real estate investment. Compare total cash distributions to total equity invested with benchmarks by strategy type, leverage impact analysis, and guidance on evaluating syndication deals.
- [GRM Calculator](https://janover.pro/calculators/grm-calculator): Calculate gross rent multiplier for commercial and multifamily properties. Compare price-to-income ratios across deals, estimate property value from market GRM, and screen acquisitions before deeper cap rate and NOI analysis.
- [Break-Even Ratio Calculator](https://janover.pro/calculators/break-even-ratio-calculator): Calculate the break-even ratio for commercial real estate properties. Find the minimum occupancy level needed to cover operating expenses and debt service, with lender benchmarks and guidance on how break-even ratio differs from DSCR.

## Glossary

- [All Glossary Terms](https://janover.pro/glossary): Plain-language definitions of commercial real estate and lending terms
- [DSCR (Debt Service Coverage Ratio)](https://janover.pro/glossary/dscr): What DSCR is, how it's calculated, how lenders use it in CRE underwriting, and how brokers can leverage it
- [Cap Rate (Capitalization Rate)](https://janover.pro/glossary/cap-rate): What cap rate is, how it's calculated, market benchmarks by property type, and how brokers use it to evaluate deals
- [Debt Yield](https://janover.pro/glossary/debt-yield): What debt yield is, how it differs from DSCR and LTV, why CMBS lenders rely on it, and typical thresholds by property type
- [Amortization](https://janover.pro/glossary/amortization): What amortization means in CRE lending, how it affects monthly payments and DSCR, amortization vs interest-only, and how loan sizing works
- [Balloon Payment](https://janover.pro/glossary/balloon-payment): What a balloon payment is in commercial real estate, how it works at loan maturity, refinancing strategies, and how brokers can help borrowers plan for it
- [Bridge Loan](https://janover.pro/glossary/bridge-loan): What bridge loans are in CRE, when they make sense, typical terms, and how they differ from permanent financing
- [Basis Points (BPS)](https://janover.pro/glossary/basis-points): What basis points are, why CRE lenders and brokers use them instead of percentages, how they translate to dollar amounts on commercial loans, and typical spread ranges by loan type
- [Defeasance](https://janover.pro/glossary/defeasance): What defeasance is in commercial real estate, how it works as a prepayment mechanism for CMBS and other loans, the step-by-step process, costs involved, and when yield maintenance may be a better option
- [Non-Recourse Loan](https://janover.pro/glossary/non-recourse-loan): What non-recourse loans are in CRE, how they differ from recourse loans, which loan types offer non-recourse terms, carve-out guarantees and bad boy provisions, and how lenders underwrite non-recourse deals
- [Carve-Outs (Bad Boy Guarantees)](https://janover.pro/glossary/carve-outs): What carve-outs are in non-recourse CRE loans, common triggers that convert non-recourse to full recourse, springing vs limited recourse, how to negotiate carve-out language, and CMBS-specific considerations
- [Mezzanine Financing](https://janover.pro/glossary/mezzanine-financing): What mezzanine financing is in CRE, how it differs from second mortgages and preferred equity, typical terms and rates, capital stack positioning, intercreditor agreements, and when mezzanine makes sense for deal structuring
- [Step-Down Prepayment](https://janover.pro/glossary/step-down-prepayment): What a step-down prepayment penalty is, common schedules (5-4-3-2-1), how it compares to yield maintenance and defeasance, which lenders offer it, and when to negotiate for it
- [SBA 7(a) Loan](https://janover.pro/glossary/sba-7a-loan): What SBA 7(a) loans are, eligible uses, loan limits, rates, how 7(a) differs from 504, qualification requirements, and key considerations for brokers placing SBA deals
- [Preferred Equity](https://janover.pro/glossary/preferred-equity): What preferred equity is in CRE capital stacks, how it differs from mezzanine debt, typical return structures, when sponsors use it, and key terms to negotiate
- [Cash-on-Cash Return](https://janover.pro/glossary/cash-on-cash-return): What cash-on-cash return is, how to calculate it, positive vs negative leverage, return benchmarks by deal type, and how it compares to cap rate, DSCR, debt yield, IRR, and LTV
- [HUD 221(d)(4) Loan](https://janover.pro/glossary/hud-221d4): What HUD 221(d)(4) loans are, how they work for new construction and substantial rehab of multifamily properties, FHA mortgage insurance, Davis-Bacon requirements, and typical timeline and terms
- [HUD 223(f) Loan](https://janover.pro/glossary/hud-223f): What HUD 223(f) loans are, how they work for acquisition and refinance of existing stabilized multifamily properties, 35-year fully amortizing terms, up to 85% LTV (87% for affordable), repair limits, comparison to 221(d)(4) and agency financing
- [Loan-to-Value (LTV)](https://janover.pro/glossary/loan-to-value): What LTV is in commercial real estate, the formula, maximum LTV by loan type (CMBS, agency, SBA, bridge, life company), how LTV interacts with DSCR and debt yield in loan sizing, and strategies for improving LTV on a deal
- [Master Servicer](https://janover.pro/glossary/master-servicer): What a master servicer is in CMBS, day-to-day loan administration responsibilities, payment collection and escrow management, watchlist monitoring, master servicer vs special servicer differences, servicing fees, and what borrowers should know about working with master servicers
- [Special Servicer](https://janover.pro/glossary/special-servicer): What a special servicer is in CMBS, how loans transfer to special servicing, triggers for transfer, workout strategies, master servicer vs special servicer differences, and what it means for borrowers and brokers
- [SBA 504 Loan](https://janover.pro/glossary/sba-504-loan): What an SBA 504 loan is, the three-party funding structure, eligibility requirements, how 504 differs from 7(a), key underwriting metrics, and what brokers should know about packaging 504 deals
- [Term Sheet](https://janover.pro/glossary/term-sheet): What a term sheet is in commercial real estate lending, key sections to review, how it differs from a commitment letter and LOI, negotiation strategies, and how brokers evaluate competing term sheets
- [Prepayment Penalty](https://janover.pro/glossary/prepayment-penalty): What prepayment penalties are in commercial real estate, the four main types (yield maintenance, defeasance, step-down, flat), how interest rates affect costs, lockout periods vs open windows, and how to negotiate prepayment terms
- [Loan-to-Cost (LTC)](https://janover.pro/glossary/loan-to-cost): What loan-to-cost ratio is, how to calculate it, what costs are included, LTC vs LTV differences, typical LTC limits by loan type, and how lenders use LTC to underwrite construction and value-add deals
- [CMBS (Commercial Mortgage-Backed Security)](https://janover.pro/glossary/cmbs): What CMBS loans are, the four-phase securitization lifecycle (origination, pooling, securitization, servicing), key features (non-recourse, fixed-rate, 5/7/10-year terms), typical underwriting metrics (DSCR 1.25x+, LTV 65-75%, debt yield 8-10%+), pros and cons for borrowers, and the role of master and special servicers
- [Conduit Loan](https://janover.pro/glossary/conduit-loan): What a conduit loan is, how conduit lending works through CMBS securitization, typical terms and underwriting requirements, prepayment structures (defeasance and yield maintenance), conduit vs bank vs agency comparison, and what brokers should know when presenting conduit deals
- [Special Purpose Entity (SPE)](https://janover.pro/glossary/special-purpose-entity): What a special purpose entity is in commercial real estate, why lenders require SPEs for bankruptcy remoteness, SPE vs single purpose entity terminology, independent director requirements, separateness covenants, and what brokers should flag when structuring borrowing entities
- [Hard Money Loan](https://janover.pro/glossary/hard-money-loan): What a hard money loan is in commercial real estate, typical terms (60% to 75% LTV, 9% to 14% rates, 1 to 4 points, 6 to 24 month terms), when hard money makes sense vs bridge loans, how brokers should present hard money deals, and risks to consider
- [Net Operating Income (NOI)](https://janover.pro/glossary/noi): What NOI is, the full calculation waterfall (PGI to EGI to NOI), what operating expenses are included and excluded, how lenders use NOI to size loans via DSCR and debt yield, common NOI mistakes that kill deals in underwriting, and operating expense ratio benchmarks by property type
- [Interest-Only Loan](https://janover.pro/glossary/interest-only-loan): What an interest-only loan is in commercial real estate, how IO payments are calculated, which CRE loan types offer IO periods, when IO makes strategic sense for value-add and transitional deals, payment shock risk when IO ends, and how to negotiate IO terms
- [Recourse Loan](https://janover.pro/glossary/recourse-loan): What a recourse loan is in commercial real estate, how personal guarantees work, recourse vs non-recourse comparison, which loan types require recourse, guarantee structures (full, limited, burning, joint and several), managing recourse exposure, and strategies to transition from recourse to non-recourse financing
- [Freddie Mac Multifamily](https://janover.pro/glossary/freddie-mac-multifamily): What Freddie Mac Multifamily is, how the Optigo seller-servicer network works, conventional vs Small Balance Loan (SBL) programs, Targeted Affordable Housing (TAH), typical loan terms (LTV, DSCR, amortization), Freddie Mac vs Fannie Mae differences, and how brokers shop deals across Optigo lenders

## Intersection Guides (Loan Type x Property Type)

- [SBA 504 Loan for Hotel Purchase](https://janover.pro/guides/sba-504-loan-for-hotel): How brokers can use SBA 504 loans for hotel and hospitality property acquisitions -- eligibility, deal structure, and packaging tips
- [SBA 7(a) Loan for Gas Station](https://janover.pro/guides/sba-7a-loan-for-gas-station): How brokers can use SBA 7(a) loans for gas station and convenience store acquisitions -- environmental due diligence, cash flow analysis, and deal packaging
- [SBA 504 Loan for Daycare/Childcare Center](https://janover.pro/guides/sba-504-loan-for-daycare): How brokers can package SBA 504 loans for daycare and childcare center acquisitions -- licensing, zoning, deal structure, and packaging tips
- [CMBS Loans for Retail Property](https://janover.pro/guides/cmbs-loan-for-retail-property): How CMBS loans work for retail properties including grocery-anchored centers, strip malls, single-tenant net lease, and power centers -- eligibility, typical terms, tenant requirements
- [SBA Loan for Restaurant](https://janover.pro/guides/sba-loan-for-restaurant): How brokers can use SBA 7(a) and 504 loans for restaurant acquisitions and buildouts -- franchise vs independent, liquor license considerations, underwriting benchmarks, and deal packaging
- [SBA 504 Loan for Auto Repair Shop](https://janover.pro/guides/sba-504-loan-for-auto-repair-shop): How brokers can use SBA 504 loans for auto repair shop purchases and expansions -- environmental due diligence, special-purpose property considerations, equipment eligibility, and deal packaging
- [SBA Loan for Car Wash](https://janover.pro/guides/sba-loan-for-car-wash): How brokers can use SBA 7(a) and 504 loans for car wash acquisitions, new construction, and equipment upgrades -- special-use property considerations, membership revenue models, equipment lifecycle, and deal packaging
- [SBA 504 Loan for Medical/Dental Office](https://janover.pro/guides/sba-504-loan-for-medical-dental-office): How brokers can structure SBA 504 loans for medical and dental office purchases -- owner-occupancy rules, equipment eligibility, build-out costs, separate entity structures, and deal packaging
- [CMBS Loans for Industrial/Warehouse](https://janover.pro/guides/cmbs-loan-for-industrial-warehouse): How CMBS loans work for warehouse, distribution, manufacturing, and flex industrial properties -- eligibility, typical terms, environmental considerations, and underwriting
- [CMBS Loans for Mixed-Use Property](https://janover.pro/guides/cmbs-loan-for-mixed-use-property): How CMBS loans work for mixed-use properties combining retail, office, and residential -- underwriting nuances, income allocation, eligibility requirements, and positioning deals
- [USDA Loan for Rural Hotel/Motel](https://janover.pro/guides/usda-loan-for-rural-hotel-motel): How to use USDA Business & Industry (B&I) guaranteed loans for hotel and motel acquisitions in rural areas -- eligibility, deal structure, loan terms, and packaging tips for brokers
- [Fannie Mae Loan for Senior Housing](https://janover.pro/guides/fannie-mae-loan-for-senior-housing): How Fannie Mae finances senior housing properties including independent living, assisted living, and memory care -- eligibility, loan terms, operator requirements, underwriting differences, and positioning tips for brokers
- [Fannie Mae Small Balance Loan (under $6M) Broker Guide](https://janover.pro/guides/fannie-mae-small-balance-loan): How the Fannie Mae Small Balance Loan program finances stabilized apartment properties from $1M to $6M -- eligibility, fixed and hybrid ARM terms, 80% LTV, 1.25x DSCR sizing, streamlined underwriting vs standard DUS, fixed vs hybrid ARM trade-offs, borrower costs, comparison to Freddie Mac SBL, and broker packaging tips
- [Cold Storage and Food Distribution Warehouse Financing](https://janover.pro/guides/cold-storage-warehouse-financing): How to finance cold storage, refrigerated distribution, and food processing warehouses -- CMBS, SBA 504, bank, life company, and debt fund options, specialized refrigeration and tenant credit considerations, construction financing, cap rates, and underwriting benchmarks
- [Mezzanine Financing for Hotel Acquisition](https://janover.pro/guides/mezzanine-financing-for-hotel-acquisition): How to use mezzanine financing on hotel acquisitions -- why hotels use mezz more than other property types, typical capital stack structure, pricing (10% to 15% all-in), senior lender consent and intercreditor agreements, franchise change-of-control considerations, and when preferred equity is a better fit
- [SBA Loan for Laundromat](https://janover.pro/guides/sba-loan-for-laundromat): How brokers can use SBA 504 and 7(a) loans to finance laundromat acquisitions, equipment, and build-outs -- 504 vs 7(a) comparison, what lenders evaluate (location, equipment condition, borrower experience), deal structure examples, common pitfalls, and how to position laundromat deals
- [Bridge Loan for Hotel Renovation](https://janover.pro/guides/bridge-loan-for-hotel-renovation): How brokers should structure, price, and place a bridge loan for hotel renovation, PIP completion, or hospitality repositioning -- typical 60% to 70% LTC at SOFR plus 400 to 700 bps, PIP scope and brand approval, FF&E lead times, RevPAR ramp underwriting, interest reserve sizing, and permanent takeout options (CMBS, SBA 504, life company, bank)
- [CMBS Loan for Office Building](https://janover.pro/guides/cmbs-loan-for-office-building): How CMBS lenders price, size, and underwrite office building loans today -- which office subtypes (medical office, single-tenant credit, GSA, suburban, trophy Class A) are most fundable, typical terms (55% to 65% LTV, 1.30x to 1.45x DSCR, 10% to 12% debt yield), rollover and tenant credit underwriting, defeasance vs yield maintenance, and CMBS vs bank vs life company comparison
- [CMBS Loan for Hotel/Hospitality](https://janover.pro/guides/cmbs-loan-for-hotel-hospitality): How CMBS lenders price, size, and underwrite hotel and hospitality loans -- flagged select-service, full-service, and resort underwriting, typical terms (60% to 70% LTV, 1.40x to 1.50x DSCR, 11% to 13% debt yield), franchise agreement and PIP status review, seasonality and brand affiliation impact, CMBS vs SBA 504 vs life company comparison, and when bridge debt makes sense before a CMBS takeout
- [Assisted Living and Memory Care Financing](https://janover.pro/guides/assisted-living-memory-care-financing): How brokers structure, price, and place assisted living and memory care financing -- HUD 232/223(f) (35-year fully amortizing, 80% to 85% LTV, 1.45x DSCR, non-recourse), HUD 232 new construction, Fannie Mae and Freddie Mac Seniors Housing, bridge debt for lease-up and pre-HUD takeout, SBA 7(a) for small owner-operators, USDA B&I for rural, CMBS for stabilized portfolios, operator and survey history underwriting, census and care level mix, state licensing and CON status, and program-by-program comparison
- [Preferred Equity for Multifamily Development](https://janover.pro/guides/preferred-equity-for-multifamily-development): How brokers place preferred equity on ground-up multifamily development deals -- capital stack structure, pricing (10% to 14% all-in), current pay vs accrued returns, JV operating agreement mechanics, senior construction lender consent, sponsor underwriting, exit refinance sizing, and when preferred equity beats common equity dilution or mezzanine debt
- [SBA 504 Loan for Self-Storage](https://janover.pro/guides/sba-504-loan-for-self-storage): How brokers package SBA 504 loans for self-storage development and acquisitions -- owner-occupancy rules, ground-up vs acquisition deal structure, feasibility study requirements, construction draw mechanics, and timeline expectations
- [HUD 221(d)(4) Loan for New Multifamily Construction](https://janover.pro/guides/hud-221d4-loan-for-new-construction): How brokers package HUD 221(d)(4) FHA-insured construction-to-permanent loans for ground-up multifamily -- 40-year fixed-rate terms, 83.3% LTC (87% for affordable), MAP lender process, Davis-Bacon requirements, 12-month application timeline, DSCR underwriting, and deal positioning
- [Coworking and Flex Space Financing](https://janover.pro/guides/coworking-flex-space-financing): How to finance coworking and flex office space -- lender landscape after the post-WeWork reset, why operator risk and member churn drive underwriting, typical LTV (55% to 65%) and DSCR (1.30x to 1.40x) thresholds, SBA 504 for owner-operators (up to 90% of project cost), bridge debt for repositioning, CMBS only on triple-net leased buildings, and how brokers package and position coworking deals

## Broker Deep Dives

- [Broker's Guide to CMBS Lending](https://janover.pro/guides/brokers-guide-to-cmbs-lending): Comprehensive guide to CMBS loans for commercial mortgage brokers -- deal structure, timeline, borrower prep, and common pitfalls
- [E&O Insurance for Commercial Mortgage Brokers](https://janover.pro/guides/eo-insurance-for-mortgage-brokers): Errors and omissions (professional liability) insurance for commercial mortgage brokers -- what E&O covers and excludes, typical coverage limits ($1M to $5M), premium ranges ($500 to $50,000+), claims-made vs occurrence policies, retroactive dates, tail coverage, common claims brokers face, policy terms to negotiate, and how to shop specialty carriers

## Geographic Markets

- [All Markets](https://janover.pro/markets): Commercial real estate market pages by city and region
- [New York City](https://janover.pro/markets/new-york-city): CRE lending landscape in NYC -- property types, lender activity, and market dynamics
- [Los Angeles](https://janover.pro/markets/los-angeles): CRE lending landscape in LA -- multifamily, industrial, retail, office, and hospitality financing across the greater Los Angeles market
- [Chicago](https://janover.pro/markets/chicago): CRE lending landscape in Chicago -- industrial dominance, multifamily dynamics, and financing sources for the Midwest's largest market
- [Charlotte](https://janover.pro/markets/charlotte): CRE lending landscape in Charlotte -- banking sector hub, rapid population growth, multifamily development, industrial logistics expansion, and lender activity in the greater Charlotte metro
- [Columbus](https://janover.pro/markets/columbus): CRE lending landscape in Columbus, Ohio -- Intel semiconductor investment, Nationwide Realty developments, multifamily growth, industrial logistics demand, and lender activity in Central Ohio
- [Houston](https://janover.pro/markets/houston): CRE lending landscape in Houston -- energy sector influence, industrial and logistics growth, multifamily development, medical center expansion, and lender activity in the Greater Houston market
- [Raleigh-Durham](https://janover.pro/markets/raleigh-durham): CRE lending landscape in Raleigh-Durham -- Research Triangle growth dynamics, multifamily development, life science and tech sector demand, and lender activity in the Triangle market
- [San Francisco Bay Area](https://janover.pro/markets/san-francisco): CRE lending landscape in the San Francisco Bay Area -- tech sector influence, office market correction, multifamily rent control dynamics, life sciences growth, seismic risk considerations, and lender activity across the nine-county region
- [Atlanta](https://janover.pro/markets/atlanta): CRE lending landscape in Atlanta -- Southeast's largest CRE market, multifamily and industrial strength, Hartsfield-Jackson airport impact, corporate relocations, property tax dynamics, and lender activity across the metro
- [Portland](https://janover.pro/markets/portland): CRE lending landscape in Portland, Oregon -- statewide rent control (SB 608) impact, Downtown office challenges, industrial strength from Intel and the Port of Portland, and lender activity across the Portland-Vancouver metro
- [Miami / South Florida](https://janover.pro/markets/miami): CRE lending landscape across Miami-Dade, Broward, and Palm Beach -- gateway market for Latin American capital, multifamily and industrial growth, hospitality strength, hurricane and flood insurance underwriting, post-Surfside condo dynamics, no state income tax, and lender activity across the tri-county region
- [Dallas-Fort Worth](https://janover.pro/markets/dallas-fort-worth): CRE lending landscape across the DFW metroplex -- top-three U.S. transaction market, corporate relocations driving Legacy West / Frisco / Plano growth corridor, industrial strength at DFW Airport and AllianceTexas, deep multifamily market with no rent control, high property tax dynamics, and lender activity across banks, agency, CMBS, life companies, and debt funds
- [Seattle](https://janover.pro/markets/seattle): CRE lending landscape in Seattle and the Puget Sound -- tech-powered gateway market, Amazon and Microsoft anchored office demand, multifamily strength with agency and bank competition, industrial port logistics, life sciences growth, seismic and energy compliance factors, no state income tax, and lender activity across the metro
- [Boston](https://janover.pro/markets/boston): CRE lending landscape in Greater Boston -- institutional-grade market powered by education, healthcare, and life sciences, deep lender competition across multifamily, office, industrial, and retail, Kendall Square biotech cluster, constrained development environment, BERDO 2.0 energy compliance, and lender activity across banks, agency, CMBS, life companies, and debt funds
- [Austin](https://janover.pro/markets/austin): CRE lending landscape in Austin, Texas -- tech-driven growth market, Apple/Google/Tesla/Samsung/Oracle presence, multifamily supply dynamics, industrial expansion along SH-130 and Georgetown corridor, life sciences emergence, no rent control, property tax and insurance considerations, and lender activity across banks, agency, CMBS, life companies, and debt funds
- [Washington DC](https://janover.pro/markets/washington-dc): CRE lending landscape across the DMV (DC, Maryland, Virginia) -- federally anchored office demand, GSA leases, contractor-driven multifamily, DC rent control and Tenant Opportunity to Purchase Act (TOPA), DC inclusionary zoning, three-jurisdiction property tax and transfer tax structures, Loudoun and Prince William data center concentration, and lender activity across banks, agency, CMBS, life companies, HUD, and debt funds
- [Salt Lake City](https://janover.pro/markets/salt-lake-city): CRE lending landscape in Salt Lake City and the Wasatch Front -- Silicon Slopes tech corridor (Adobe, Qualtrics, Pluralsight, Domo, Lucid, Recursion), structural housing demand from one of the youngest populations in the country, deep industrial logistics base at the I-15/I-80 crossroads and Inland Port, multifamily strength with no rent control, Zions Bank and Mountain West regional bank competition, seismic and water-rights considerations, and lender activity across banks, agency, CMBS, life companies, HUD, and debt funds
- [Nashville](https://janover.pro/markets/nashville): CRE lending landscape in Nashville and Middle Tennessee -- healthcare anchor (HCA Healthcare, Vanderbilt, Community Health Systems), unusually strong hospitality and hotel sector (Lower Broadway, Music City Center, Gaylord Opryland), Sun Belt multifamily growth, no rent control, no state income tax, Williamson County premium, deep regional bank lender pool (Pinnacle, FB Financial), and activity across banks, agency, CMBS, life companies, HUD, and debt funds
- [Philadelphia](https://janover.pro/markets/philadelphia): CRE lending landscape in Philadelphia and the Delaware Valley -- eds and meds anchor (Penn, Jefferson, Drexel, Temple, CHOP, Penn Medicine), Cellicon Valley cell and gene therapy cluster, multifamily renaissance across Center City and the river wards (Fishtown, Northern Liberties, Brewerytown), 10-year tax abatement dynamics, high combined real estate transfer tax (3.278% city plus 1% state), eds and meds-driven office bifurcation, Lehigh Valley industrial corridor, three-state MSA (PA, NJ, DE), and lender activity across banks (Wells Fargo, PNC, TD, M&T, Citizens, WSFS, Univest, Firstrust), agency, CMBS, life companies, HUD, and debt funds
- [San Antonio](https://janover.pro/markets/san-antonio): CRE lending landscape in San Antonio and South Central Texas -- Joint Base San Antonio (largest joint base in DoD, ~80,000 personnel), USAA headquarters anchoring Northwest office and multifamily, South Texas Medical Center healthcare cluster, Riverwalk and Alamo tourism driving hospitality, Port San Antonio cybersecurity and aerospace cluster on the South Side, Toyota assembly plant, Frost Bank-led Texas regional lender pool, no state income tax, no rent control, high property tax dynamics, Edwards Aquifer recharge zone constraints, and lender activity across banks, agency, CMBS, life companies, HUD, and debt funds
- [Indianapolis](https://janover.pro/markets/indianapolis): CRE lending landscape in Indianapolis and Central Indiana -- national-scale logistics geography (FedEx Express World Hub, I-65/I-69/I-70/I-74 convergence), Eli Lilly headquarters and LEAP Innovation District anchoring life sciences and pharma manufacturing, IU Health and Community Health Network anchoring medical office demand, Hamilton County premium suburban tier (Carmel, Fishers, Westfield, Noblesville), no rent control, constitutional property tax caps (1%/2%/3%), deep regional bank pool (First Merchants, National Bank of Indianapolis, Old National, Lake City, Centier), and lender activity across banks, agency, CMBS, life companies, HUD, and debt funds
- [Kansas City](https://janover.pro/markets/kansas-city): CRE lending landscape in Kansas City and the bi-state Missouri/Kansas metro -- second-largest U.S. rail hub with all five Class I railroads, BNSF Logistics Park-Kansas City (LPKC) intermodal complex, Kansas City Animal Health Corridor (Boehringer Ingelheim, Elanco, Merck Animal Health, Ceva, Hill's), Johnson County, Kansas premium suburban tier (Overland Park, Leawood, Olathe, Lenexa), Jackson County reassessment volatility, KC Missouri 1% earnings tax, UMB Bank-anchored deep regional bank pool, 2026 FIFA World Cup demand, no rent control in either state, and lender activity across banks, agency, CMBS, life companies, HUD, and debt funds
- [Jacksonville](https://janover.pro/markets/jacksonville): Commercial real estate loans Jacksonville landscape -- Florida's largest city by area at the intersection of I-95 and I-10, Port of Jacksonville (JAXPORT) and Jacksonville International Airport logistics anchor, third-largest U.S. Navy concentration (NAS Jacksonville, NAS Mayport, Cecil Field/AllianceFlorida), Mayo Clinic Jacksonville and Baptist Health anchoring medical office, EverBank and VyStar Credit Union headquartered locally, St. Johns County premium suburban tier (Nocatee, Ponte Vedra), Beaches hospitality, no state income tax, no rent control, hurricane and flood insurance underwriting, and lender activity across banks, agency, CMBS, life companies, HUD, SBA, and debt funds
- [Memphis](https://janover.pro/markets/memphis): Commercial real estate loans Memphis landscape -- FedEx World Hub (the largest air cargo facility on Earth), Memphis International Airport as the second-busiest cargo airport in North America, convergence of five Class I freight railroads (BNSF, CSX, Union Pacific, Norfolk Southern, Canadian National) and five federal interstates (I-40, I-55, I-22, I-69, I-269), Mississippi River and Port of Memphis on Presidents Island, St. Jude Children's Research Hospital and Baptist Memorial Health Care anchoring the Memphis Medical District, AutoZone and First Horizon headquartered locally, Germantown and Collierville premium suburban tier, DeSoto County, Mississippi cross-border growth submarket, New Madrid Seismic Zone PML underwriting, no state income tax, no rent control, and lender activity across banks, agency, CMBS, life companies, HUD, SBA, and debt funds
- [Louisville](https://janover.pro/markets/louisville): Commercial real estate loans Louisville landscape -- UPS Worldport at Louisville Muhammad Ali International Airport (the largest fully automated package sorting facility on Earth), Ford Louisville Assembly Plant and Kentucky Truck Plant plus the BlueOval SK Battery Park in Glendale, GE Appliances Appliance Park, the global bourbon industry (Brown-Forman, Heaven Hill, Old Forester, Angel's Envy, Bulleit, Kentucky Bourbon Trail and Urban Bourbon Trail), Norton Healthcare and Baptist Health and UofL Health anchoring medical office, Humana and YUM! Brands headquartered locally, Stock Yards Bank and Republic Bank anchoring deep regional bank competition, NuLu and Butchertown urban infill, Northeast Jefferson County premium suburban tier (Prospect, Anchorage), Kentucky vs Indiana cross-border underwriting (Jeffersonville, New Albany, Clarksville), Ohio River flood exposure, Kentucky bourbon barrel property tax considerations, no rent control, and lender activity across banks, agency, CMBS, life companies, HUD, SBA, and debt funds
- [Baltimore](https://janover.pro/markets/baltimore): Commercial real estate loans Baltimore landscape -- Port of Baltimore (Helen Delich Bentley Port) and the rebuilt Francis Scott Key Bridge, Tradepoint Atlantic at former Sparrows Point, Johns Hopkins University and Johns Hopkins Hospital anchoring medical/biomedical research, University of Maryland Medical System, MedStar Health, and LifeBridge Health, Fort Meade/NSA and U.S. Cyber Command cluster, Aberdeen Proving Ground defense corridor, SSA headquarters in Woodlawn, NIH/FDA-adjacent BW corridor, BWI Marshall Southwest Airlines hub, T. Rowe Price and Under Armour and McCormick & Co (Hunt Valley) and Constellation Energy headquartered locally, M&T Bank anchoring deep regional bank competition (Mercantile/Wilmington Trust legacy), Harbor East/Harbor Point/Federal Hill/Canton/Fells Point urban core, Port Covington/Baltimore Peninsula (Weller Development), MCB Real Estate Inner Harbor/Harborplace redevelopment, Towson and Hunt Valley suburban office, Howard County (Columbia, Ellicott City) premium suburban tier, Maryland graduated income tax with county piggyback, not right-to-work, Baltimore City vs County property tax differential, active Baltimore City rent stabilization debates and Montgomery County rent stabilization (2024), Chesapeake Bay flood/sea level rise exposure, GSA/cleared-space/SCIF underwriting, and lender activity across banks, agency, CMBS, life companies, HUD, SBA, and debt funds

## Broker Guides -- Loan Products

- [Commercial Loan Products Overview](https://janover.pro/guides/cre-broker-guide-to-commercial-loan-products): Complete broker guide to all commercial loan product types
- [Bridge Loans](https://janover.pro/guides/bridge-loans-what-brokers-should-look-out-for): Short-term financing -- what brokers should look for
- [Bridge Loan for Office-to-Residential Conversion](https://janover.pro/guides/bridge-loan-for-office-to-residential-conversion): How to structure, price, and place bridge debt on office-to-apartment conversion deals -- LTC ranges, SOFR pricing spreads, conversion timelines, exit strategies, and what bridge lenders need to underwrite mid-conversion property
- [Bridge Loan for Note Purchase](https://janover.pro/guides/bridge-loan-for-note-purchase): How brokers structure, source, and close bridge financing for performing and non-performing commercial real estate note acquisitions -- advance rates, pricing, exit strategies, lender landscape, and packaging tips
- [Bridge Loan for Retail Repositioning](https://janover.pro/guides/bridge-loan-for-retail-repositioning): How brokers structure, price, and place bridge debt on retail repositioning deals -- LTC ranges, SOFR pricing spreads, anchor and co-tenancy analysis, TI/LC budgets, lease-up timelines, and permanent takeout options including CMBS, life company, and bank financing
- [Bridge-to-Perm Financing for Multifamily](https://janover.pro/guides/bridge-to-perm-financing-for-multifamily): Two-step capital stack pairing short-term bridge debt with agency, HUD, CMBS, life company, or bank takeout -- when to recommend bridge-to-perm, typical bridge terms, perm sizing, packaging requirements, and the mistakes that kill these deals
- [Permanent Loans](https://janover.pro/guides/permanent-loans-for-stabilized-properties): Long-term financing for stabilized commercial properties
- [Construction Loans](https://janover.pro/guides/construction-loan-deals-getting-closed): Getting construction deals closed
- [CMBS Loans](https://janover.pro/guides/broker-guide-to-cmbs-loans): Broker guide to commercial mortgage-backed securities
- [SBA Loans](https://janover.pro/guides/sba-loans-for-small-businesses-and-real-estate): SBA 7(a) and 504 loans for small business and real estate
- [DSCR Loans](https://janover.pro/guides/dscr-loans-how-to-use-them): Debt service coverage ratio loans explained
- [Hard Money Loans](https://janover.pro/guides/hard-money-loans-when-speed-matters): When speed matters most
- [Life Company Loans](https://janover.pro/guides/life-company-loans): Life insurance company lending explained
- [Life Company Loan for Industrial Property](https://janover.pro/guides/life-company-loan-for-industrial-property): How life company loans work for warehouse, distribution, and logistics properties -- why life companies favor industrial, typical terms, underwriting requirements, and how to position deals
- [Mezzanine & Preferred Equity](https://janover.pro/guides/mezzanine-and-preferred-equity): Subordinate financing structures
- [PACE Financing](https://janover.pro/guides/pace-financing-what-is-it): Property Assessed Clean Energy financing
- [Cannabis Real Estate Financing](https://janover.pro/guides/cannabis-real-estate-financing): How to finance cannabis and dispensary real estate -- state-by-state legal challenges, lender types, sale-leaseback structures, hard money vs bridge, and what brokers need to know
- [EV Charging Station Financing](https://janover.pro/guides/ev-charging-station-financing): How to finance EV charging stations -- SBA loans, C-PACE, tax credits, and what lenders look for
- [Non-Recourse Financing](https://janover.pro/guides/nonrecourse-financing-brokers-guide): Broker guide to non-recourse loans
- [USDA 538 Multifamily](https://janover.pro/guides/usda-538-loans-for-multifamily): USDA rural multifamily loans

## Broker Guides -- Agency & Government Programs

- [Fannie Mae Multifamily](https://janover.pro/guides/what-is-fannie-mae-multifamily): Fannie Mae multifamily lending programs
- [Freddie Mac Multifamily](https://janover.pro/guides/freddie-mac-multifamily-conventional-optigo): Freddie Mac Conventional and Optigo programs
- [HUD Multifamily Loans](https://janover.pro/guides/hud-multifamily-loans-223f-221d4): HUD 223(f) and 221(d)(4) programs

## Broker Guides -- Property Types

- [Asset Types Overview](https://janover.pro/guides/broker-guide-asset-types): Complete broker guide to CRE asset types
- [Multifamily Finance](https://janover.pro/guides/broker-guide-to-multifamily-finance): Apartment and multifamily financing
- [Office Finance](https://janover.pro/guides/broker-guide-to-office-finance): Office property financing
- [Retail Finance](https://janover.pro/guides/broker-guide-to-retail-finance): Retail property financing
- [Industrial Finance](https://janover.pro/guides/broker-guide-to-industrial-finance): Industrial and warehouse financing
- [Hospitality Finance](https://janover.pro/guides/broker-guide-to-hospitality-finance): Hotel and hospitality financing
- [Healthcare Finance](https://janover.pro/guides/broker-guide-to-healthcare-finance): Medical office and healthcare financing
- [Self-Storage Finance](https://janover.pro/guides/broker-guide-to-self-storage-finance): Self-storage facility financing
- [Mixed-Use Finance](https://janover.pro/guides/broker-guide-to-mixed-use-finance): Mixed-use property financing
- [Land Finance](https://janover.pro/guides/broker-guide-to-land-finance): Land acquisition and development financing
- [Manufactured Housing](https://janover.pro/guides/broker-guide-to-manufactured-housing-finance): Manufactured and mobile home park financing
- [1-4 Unit Residential](https://janover.pro/guides/broker-guide-to-financing-1-4-unit-residential): Small residential investment property financing

## Broker Guides -- Career & Compensation

- [How to Become a Commercial Mortgage Broker](https://janover.pro/guides/how-to-become-commercial-mortgage-broker): Practical walkthrough of becoming a commercial mortgage broker -- what the job involves, licensing reality by state, how to build a lender network, finding first deals, commission structures, income benchmarks by experience level, tools and technology, and common mistakes new brokers make
- [How Much Do Commercial Mortgage Brokers Make?](https://janover.pro/guides/commercial-mortgage-broker-salary): Commercial mortgage broker income data -- commission structures, brokerage firm splits, income by experience level, independent vs firm economics, and how deal volume drives earnings
- [Commercial Mortgage Broker Licensing by State](https://janover.pro/guides/licensing-by-state): State-by-state breakdown of commercial mortgage broker licensing -- which states require a license, NMLS applicability, common state requirements (CA, FL, AZ, NV, OR, NY), states with no licensing, and how to verify current rules with state regulators
- [Why Residential Brokers Are Adding Commercial](https://janover.pro/guides/why-residential-brokers-adding-commercial): Why residential mortgage brokers are expanding into commercial real estate lending -- market forces, income advantages, the transition timeline, where to find first commercial clients, and common mistakes to avoid
- [Commercial vs Residential Mortgage Brokering](https://janover.pro/guides/commercial-vs-residential-mortgage-brokering): Key differences between commercial and residential mortgage brokering -- underwriting focus, deal sizes, compensation, licensing, lender landscape, timelines, and day-to-day work
- [Commercial Mortgage Broker Fee Structures](https://janover.pro/guides/broker-fee-structures): How commercial mortgage broker fees work -- standard commission rates by deal size, borrower-paid vs lender-paid structures, fee agreements, SBA fee caps, and competitive pricing strategy
- [Co-Brokering Commercial Real Estate Deals](https://janover.pro/guides/cobrokering-commercial-deals): How co-brokering commercial mortgage deals works -- commission splits (50/50, 60/40, 70/30), written agreements, scope of work, licensing considerations across state lines, SBA disclosure rules, partner selection, and when bringing in a second broker grows your business versus cutting it in half
- [Residential Broker's Guide to Commercial Real Estate Deals](https://janover.pro/guides/residential-brokers-guide-to-cre-deals): How residential mortgage brokers can close, co-broker, or refer commercial real estate deals -- fee economics ($30K to $100K per deal vs $5K residential), how commercial underwriting (NOI, DSCR, cap rate) differs from residential (DTI, credit), licensing rules state by state, the best starter deal types (small balance multifamily, SBA 504 owner-occupied, mixed-use, 1-4 unit portfolios), how to find commercial lenders without a network, and the refer-to-co-broker-to-solo path from first commercial inquiry to first close

## Broker Guides -- Business & Strategy

- [Why Deals Die](https://janover.pro/guides/why-deals-die-how-to-prevent-lender-walkaways): How to prevent lender walkaways
- [Broker Survival Playbook](https://janover.pro/guides/broker-survival-playbook): Strategies for thriving as a CRE broker
- [Small Brokerage Agility](https://janover.pro/guides/small-brokerages-agility-superpower): Why agility is a small brokerage superpower
- [Scaling Without Hiring](https://janover.pro/guides/scaling-your-brokerage-business-without-hiring): Grow your brokerage without adding headcount
- [Building Credibility](https://janover.pro/guides/how-to-specialize-and-build-credibility-as-new-cre-broker): How new brokers can specialize and build credibility
- [Managing Extended Timelines](https://janover.pro/guides/managing-extended-timelines-for-commercial-loans): Managing long commercial loan timelines
- [Data-Driven Lender Sourcing](https://janover.pro/guides/data-driven-lender-sourcing-jpro): Using data to find the right lenders
- [Never Run Out of Lenders](https://janover.pro/guides/never-run-out-of-lenders-comprehensive-lender-network): Building a comprehensive lender network
- [4 Biggest Brokerage Challenges](https://janover.pro/guides/solving-4-biggest-cre-debt-brokerage-challenges): Solving common CRE debt brokerage challenges
- [Business Benefits for Brokers](https://janover.pro/guides/business-benefits-for-commercial-debt-brokers): How Janover Pro benefits commercial debt brokers
- [Proven Broker Results](https://janover.pro/guides/proven-results-from-commercial-debt-brokers): Real results from brokers using Janover Pro
- [Janover Pro ROI Calculator](https://janover.pro/guides/jpro-roi-calculator): Calculate your potential ROI with Janover Pro
- [Commercial Mortgage Broker Business Plan](https://janover.pro/guides/broker-business-plan): A working business plan template for new and scaling commercial mortgage brokerages -- market positioning, licensing and compliance, lender network strategy, revenue modeling with commission assumptions, staffing budget, technology stack, and 12-month milestones
- [Best CRM for Commercial Mortgage Brokers](https://janover.pro/guides/best-crm-for-commercial-mortgage-brokers): Broker-focused comparison of CRMs (HubSpot, Pipedrive, Salesforce Financial Services Cloud, Zoho, Follow Up Boss, Monday, Copper) with guidance on what to prioritize by team size and deal volume, where CRE-specific platforms like Janover Pro pair with general-purpose CRMs, and migration tips

## Comparisons

- [Janover Pro vs GParency](https://janover.pro/guides/jpro-vs-gparency-comparison): How Janover Pro compares to GParency
- [Janover Pro vs LoanBase](https://janover.pro/guides/jpro-vs-loanbase-comparison): How Janover Pro compares to LoanBase
- [Janover Pro vs Axial](https://janover.pro/guides/jpro-vs-axial-comparison): How Janover Pro compares to Axial
- [Janover Pro vs CreditUnity](https://janover.pro/guides/jpro-vs-creditunity-comparison): How Janover Pro compares to CreditUnity

## Janover Ecosystem

Janover operates a network of specialized commercial real estate financing sites:

- [multifamily.loans](https://www.multifamily.loans): Multifamily and apartment financing marketplace
- [commercialrealestate.loans](https://www.commercialrealestate.loans): Broad CRE loan marketplace
- [hud.loans](https://www.hud.loans): HUD loan programs
- [janover.partners](https://janover.partners): Lender and originator onboarding portal

## Coverage

### Geographic
All 50 US states and the District of Columbia.

### CRE Property Types
Multifamily (market rate, affordable housing, senior housing, student housing, military housing, manufactured/mobile home parks, single-family portfolio), office (professional, medical, coworking), retail (anchored, strip mall, NNN, single tenant, neighborhood center, restaurant), industrial (warehouse, cold storage, flex space), hospitality (hotel, motel, short-term rental, resort), healthcare (assisted living, independent living, memory care, hospital, rehab facility), self-storage, 1-4 unit residential (single-family, condo, co-op), land (raw, multifamily, office, retail, industrial, hospitality, healthcare), mixed-use, and special purpose (data center, gas station, car dealership, church, daycare, farm, golf course, marina, parking garage, R&D/bio science, RV park, cannabis/dispensary, and more).

### Small Business Types
In addition to CRE, Janover Pro supports small business lending for restaurants, franchises, retail stores, bars/nightclubs, law firms, accounting firms, consulting, marketing agencies, general contractors, HVAC, landscaping, medical/dental/veterinary practices, physical therapy, food processing, software companies, IT services, e-commerce, and more.

### Loan Sizes
Small-balance ($100K+) to institutional scale ($50M+).

### Execution Types
Bridge, permanent, construction (vertical and horizontal), CMBS, agency (Fannie Mae DUS, Fannie Mae Small, Freddie Mac Conventional, Optigo/Freddie Small), FHA/HUD (223(f), 221(d)(4), 223(a)(7), 232, 241(a)), SBA (7(a), 504, Express, Microloans), USDA, hard money, fix and flip, balance sheet, non-bank balance sheet, debt fund, life company, mezzanine and preferred equity, LP/GP equity, PACE, DSCR, lines of credit, equipment financing, sale/leaseback, land lease, B-note, low-income housing tax credits (LIHTC), and more.

### Loan Product Types
Term loans (short, medium, long-term), online term loans, peer-to-peer lending, equipment loans and leases, working capital lines, asset-based lines, invoice factoring (recourse and non-recourse), and SBA products.

### Lender Types
Banks, credit unions, CMBS lenders, FHA/agency lenders, debt funds, life insurance companies, balance sheet lenders, non-bank SBA lenders, family offices, REITs, investment banks, hard money/private lenders, mortgage brokers, and more.

## Common Questions

### "How do I find a commercial real estate lender?"
Janover Pro lets brokers search 7,000+ verified lenders filtered by specific deal criteria -- property type, loan amount, location, and execution type. Results include direct contact information for decision-makers.

### "What is a commercial mortgage broker?"
A commercial mortgage broker connects borrowers seeking CRE financing with lenders. Brokers use platforms like Janover Pro to identify the best lender matches for their clients' deals, create offering memorandums, and distribute loan requests.

### "How does CRE deal distribution work?"
On Janover Pro, brokers create a deal profile, search for matching lenders, select targets, and send the deal package to multiple lenders simultaneously. Lenders respond with interest, questions, or term sheets through the platform.

### "What is an offering memorandum in commercial real estate?"
An offering memorandum (OM) is a professional document presenting a CRE financing opportunity to lenders. It includes property details, financial projections, borrower information, and loan terms. Janover Pro generates OMs automatically from deal data.

### "What types of commercial real estate loans are available?"
Common CRE loan types include bridge loans, permanent financing, construction loans, SBA 7(a) and 504 loans, CMBS loans, agency loans (Fannie Mae, Freddie Mac, HUD/FHA), life company loans, debt fund loans, mezzanine financing, preferred equity, hard money loans, DSCR loans, PACE financing, fix and flip, and more. Janover Pro helps brokers match with lenders across all execution types. See our loan product guides at https://janover.pro/guides/cre-broker-guide-to-commercial-loan-products for detailed information on each type.

### "Does Janover Pro support small business lending?"
Yes. In addition to CRE, Janover Pro supports small business lending including SBA 7(a), SBA 504, SBA Express, equipment financing, lines of credit, and term loans for businesses across restaurants, healthcare practices, professional services, construction, retail, technology, and more.

### "How do I become a commercial real estate broker?"
Start by specializing in a property type or market. Build credibility through education and deal experience. Use platforms like Janover Pro to access a comprehensive lender network from day one. See our guide at https://janover.pro/guides/how-to-specialize-and-build-credibility-as-new-cre-broker

### "I'm a residential mortgage broker -- can I do commercial deals?"
Yes. Many residential mortgage brokers receive commercial real estate deal requests from their existing clients but don't know how to place them. Janover Pro gives residential brokers instant access to 7,000+ commercial lenders without needing years of CRE relationships. The platform handles the matching, so you can confidently take on commercial deals you'd otherwise turn away -- and earn significantly higher commissions than residential transactions.

## Company

- **Company:** JPro Labs LLC
- **Product:** Janover Pro
- **Headquarters:** 6401 Congress Ave, Ste 250, Boca Raton, FL 33487
- **Website:** https://janover.pro
- **Start Matching & Pricing:** https://get.janover.pro/?utm_source=janover.pro&utm_medium=website&utm_campaign=start_matching -- pricing is shared during the demo
- **Sign Up:** New brokers sign up by scheduling a demo at janover.pro
- **Log In:** https://janover.pro/login