Why Your Real Estate Deal Gets Approved… or Rejected

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Издатель May 23, 2026

In this episode of Finance Friday, Josh Findlay and Ehren Laycock from BLD Financial break down how internal credit teams actually analyze commercial real estate, construction, and multifamily financing files in 2026.

From LOIs and borrower profiles to liquidity, net worth, experience, reputational risk, and project viability, this episode walks through what really happens behind closed doors when lenders decide whether a deal gets approved, restructured, or declined.

Understanding the internal credit review process has become more important than ever in today’s tighter lending environment, where strong deals can still fail due to borrower risk, weak structure, unrealistic assumptions, or insufficient capital.

We cover:

✅ How internal credit teams assess commercial, construction & multifamily files
✅ What happens after you receive an LOI from a lender
✅ Why an LOI does NOT mean your deal is approved
✅ The key borrower metrics lenders analyze before funding
✅ How liquidity, net worth & cash flow impact approvals
✅ Why experience and track record matter more in 2026
✅ How lenders stress test rent assumptions, vacancies & project risk
✅ What reputational risk means and why it matters to lenders
✅ Why some good real estate deals still get declined
✅ How lenders evaluate construction financing and execution risk
✅ The growing importance of conservative underwriting in today’s market
✅ What Canadian real estate investors need to know before submitting a file

If you’re a Canadian real estate investor, developer, builder, or operator, this episode gives you a behind-the-scenes look at how lenders and internal credit teams actually make financing decisions in today’s market.

Whether you’re applying for construction financing, CMHC financing, commercial lending, or multifamily financing, understanding how your file is reviewed could make the difference between getting approved… or getting declined.

Did you enjoy and get value from this video? Let us know your thoughts and if you got any value from this discussion in the comment section below!

Check out the BLD Financial Podcast - https://www.youtube.com/watch?v=fPfCV1CgTjc&list=PLEGKvkMGz7SEaFQh0iEm-hE_TsmzS2K_U

Follow & Connect with us on Social Media:
Instagram - https://instagram.com/bldfinancial
Facebook - https://www.facebook.com/BLDfinancial
Josh Findlay on Instagram - https://www.instagram.com/jfins/
Ehren Laycock on Instagram - https://www.instagram.com/laycock22/
Josh - 519-729-9212
Ehren - 226-980-5048

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DLC National License: 12360