402. Your Loan Matures in 18 Months. Now What?

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Your commercial real estate loan matures in 18 months. Now what?

Unlike a residential mortgage, most commercial loans don’t give me 30 years to pay them off. I’m typically working with a five-year term, which means at some point I have to refinance, sell, recapitalize, or figure out another way to handle that remaining balance.

And I’m actually going through this process on one of my own deals right now.

In this video, I’m breaking down exactly how I approach a commercial loan maturity, why I start planning **18 months before the loan comes due**, and the numbers I’m paying the most attention to when it’s time to refinance.

We’ll cover:

* How commercial loan maturities actually work

* Why your loan term and amortization are two completely different things

* How I calculate whether a property can support a new loan

* Why NOI and DSCR can make or break your refinance

* The different options I’m running in parallel on my own deal

* What I’m doing 24, 18, 12, 6, and 3 months before maturity