Serving Calaveras County, CA
Commercial real estate financing in Calaveras County, CA for multifamily, mixed-use, retail, office, and owner-occupied business properties. CDL Mortgage connects investors and business owners with competitive commercial lending programs.
Why CDL MTG
A specialized lending team, a transparent process, and real people you can reach by phone.
We shop multiple wholesale lenders on your behalf to find strong pricing for your exact scenario.
Programs built around real situations — self-employed, investment property, manufactured homes and more.
A secure document checklist tailored to your loan, with pre-approvals turned around quickly.
Licensed loan officers who know local escrow, title, appraisal and market conditions — not a call center.
The Process
Four simple steps from first call to closing table.
A quick, no-pressure conversation about your goals, timeline and budget.
A short, secure checklist tailored to your loan — no guesswork, no busywork.
We shop lenders, review your Loan Estimate line by line, and issue your approval.
We keep you, your agent and escrow updated through funding day.
Local Expertise
CDL Mortgage Services Inc. helps buyers and homeowners across Calaveras County navigate the commercial loans process from first conversation to final signature. As a California-based lender headquartered in the California area, our loan officers know the local market, local escrow and title practices, and what it takes to compete for homes in Calaveras County.
Every file is handled by a licensed loan officer — not a call center. We shop multiple wholesale lenders on your behalf to find competitive pricing, walk you through your Loan Estimate line by line, and keep you, your agent, and escrow updated at every milestone so there are no surprises at the closing table.
Beyond commercial loans, Calaveras County clients also come to us for commercial mortgage, commercial real estate loan, mixed-use property loan, and more. Whatever your situation — first home, move-up purchase, investment property, or tapping equity — we’ll match you with the right program.
How It Works
Commercial lending underwrites the asset and its cash flow first, and the sponsor second. The property must service its own debt with room to spare.
Gross income minus operating expenses produces NOI — the number every commercial decision is built on.
Lenders typically require NOI to exceed the annual debt payment by 20–25%.
Commonly 65–75% financing, so plan on 25–35% equity plus closing reserves.
Global cash flow, liquidity, net worth and experience with the asset class all factor in.
Commercial appraisal, environmental screening and often a property condition report. Budget time and cost for these.
Fixed for 5–10 years, amortized over 20–30, frequently with a balloon at term. We plan the exit up front.
Your Options
Every asset class prices differently. Here is where we place deals most often.
Honest Advice
Commercial approvals hinge on a handful of numbers. Knowing them before you write an offer saves months.
Clean leases, verified rents and a real expense history make underwriting straightforward.
Post-closing liquidity is often the deciding factor on borderline deals.
Track record in the same asset class improves both approval odds and leverage.
If DSCR lands near 1.15, expect lower leverage or a decline. We test this before you spend money.
Multiple leases expiring at once is a real risk factor lenders price for.
A five-year balloon requires a refinance or sale plan on day one, not in year four.
Service Area
Serving Angels Camp, San Andreas, Valley Springs, and every community across Calaveras County, California.
CDL Mortgage Services Inc. · NMLS #132263 · Equal Housing Lender
About Us
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for Calaveras County borrowers.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.
Questions
Multifamily (5+ units), mixed-use, retail, office, industrial, self-storage, and owner-occupied business properties. We’ll match your property type with the right lender program.
Typically 20-30% down depending on property type, cash flow, and borrower strength. Owner-occupied commercial properties may qualify for lower down payments through SBA-adjacent programs.
Primarily on the property’s net operating income and debt service coverage, plus borrower credit and experience. Full personal income documentation is often not the deciding factor.
Common structures include 5-, 7-, and 10-year fixed periods with 25-30 year amortization, plus bridge and interest-only options for value-add projects.
Ready to Start
Talk to a licensed loan officer — no obligation, no pressure.
Nearby Cities
More Programs