How CRE Lending Works: What Investors Must Know with Julie Peterson

In this episode, Jason Williams and Frank Patalano sit down with Julianne Peterson from Old Capital to break down what is really happening in today’s lending environment. They unpack how the market shifted after the bridge loan boom, why so many operators are feeling pressure, and what lenders are actually looking for now. This is a practical conversation for both new and experienced investors who want to understand how to structure deals that truly qualify in today’s climate.

Topics Covered

• The shift from easy bridge debt to tighter underwriting standards
• Why lenders now require GPs to bring their own capital into deals
• How net worth and liquidity requirements are calculated
• What post close liquidity really means and how to plan for it
• Why agency lending is more selective than ever
• The importance of having a roadmap before underwriting deals
• How to build the right sponsorship and lending relationships
• Current rate environment including SOFR, treasury spreads, and what may happen next
• Why partnerships and trust matter more than ever in multifamily

Quotes

• "Lenders are not going to do that anymore. They want to see that the general partners have an investment in this of their own money."
• "If you don’t do a roadmap, you have no idea. Before you start underwriting and getting excited, figure out what you’re worth."

🎧 Connect with Jason:

✅ LinkedIn

✅ https://IroncladUnderwriting.com

✅Linktree

🎧 Connect with Frank:

✅LinkedIn

🎧 Connect with Julie

✅ LinkedIn