In this solo episode of The Real Estate Lens, Ryan Richards unpacks the major differences between residential and commercial financing and how each impacts your real estate investment strategy. Drawing on his experience as both a loan officer and an investor, Ryan shares the pros, cons, and real-world applications of each type of financing so you can make smarter decisions as you grow your portfolio.

From qualification standards to property valuation methods, he explains how residential loans and commercial loans are structured differently and why those differences matter depending on the size of your deal and your long-term goals.

What you’ll learn:

• Why residential financing is capped at four units and what that means for investors
• How commercial lenders evaluate both you as an operator and the property’s performance
• The flexibility of commercial loans compared to the paperwork-heavy nature of residential
• Why commercial properties are valued based on income, not just comparable sales
• How larger multifamily properties provide more stability and room to increase value

If you’re weighing your next move in real estate, this episode will help you understand when residential financing makes sense and when to pivot toward commercial lending.

Interested in connecting?

HOST
Ryan Richards | Branch Manager, Northpoint Mortgage | NMLS 1987735
[email protected] | www.financewithteamrichards.com
204 Turnpike Rd, Westborough, MA 01581
Licensed in MA, CT, FL, NC, NH, PA, RI
Follow us on Instagram @financewithteamrichards