Financing commercial real estate in Markham, Ontario — retail, office, industrial, or mixed-use? Sarah Colucci arranges commercial mortgage financing through specialized lenders offering competitive rates, flexible terms, and fast approvals. Call 647-773-4849.
Mortgage options in Markham depend on the property, requested loan amount, verified income, credit history and the lender's current guidelines. The local average home price is approximately $1,250,000, but individual properties and neighbourhoods vary widely. Sarah reviews the complete application rather than relying on one rate or one automated rule.
Sarah Antonia Colucci is a licensed Mortgage Agent Level 2 with access to more than 50 lenders. She compares available mortgage structures, explains costs and restrictions, and identifies the documents a lender will need before an application is submitted. The initial consultation is free, and recommendations remain subject to lender review, property acceptance and full underwriting.
A useful review normally includes the mortgage balance or purchase price, available equity or down payment, household income, monthly obligations, credit history and the client's short- and long-term plans. Looking at these details together helps distinguish a low headline rate from a mortgage that actually fits the client's situation.
Commercial investment properties typically require 25–35% down depending on property type and lender. Mixed-use properties (commercial/residential) may qualify for 20% down. Owner-user commercial properties — where your business occupies the building — can sometimes qualify for 10–15% down through specific credit union programs or the BDC (Business Development Bank). I'll give you the exact requirement for your specific property.
Debt Service Coverage Ratio (DSCR) is the NOI (Net Operating Income) divided by the annual mortgage payment. A DSCR of 1.25x means the property generates 25% more income than its debt cost — the minimum most lenders require. A DSCR of 1.0x means the property barely covers its own mortgage. I calculate your DSCR before applying so you know whether the property qualifies at your target loan amount and rate.
Commercial mortgage rates vary significantly by property type, LTV, and lender. As of mid-2026, well-qualified commercial properties are financing in the 5.5%–7.5% range depending on the lender and property. CMHC multi-unit programs (MLI Select) offer the most competitive commercial rates — sometimes approaching residential rates for qualifying multi-residential properties. I get competing offers so you see the full range.
Yes — CMHC insures qualifying multi-unit residential properties (5+ units) through its MLI Select program, which offers high loan-to-value (up to 85%), extended amortization (up to 40 years for energy-efficient properties), and competitive rates. MLI Select has scoring criteria based on affordability of rents, energy efficiency, and accessibility. I assess your property's MLI Select eligibility and manage the application if it qualifies.
Yes — Sarah Antonia Colucci of Colucci Mortgages arranges commercial mortgages for Markham and York Region business owners and investors. Whether you're purchasing retail, office, industrial, or multi-residential property in Markham, Sarah Antonia accesses banks, credit unions, life companies, and CMHC commercial programs to find the best financing for your property type. Call 647-773-4849 for a free commercial mortgage consultation.
For a personalized review, call Sarah at 647-773-4849 or request a free consultation. Rates, qualification and product availability can change without notice and are confirmed only through a complete lender application.