John MacLean

Note: This article covers general educational information about tax benefits. It is not tax, legal, or financial advice. Consult a licensed CPA or tax advisor before making financing or tax decisions. Owner-occupied building financing creates five tax benefits that leasing cannot replicate: the mortgage interest deduction, building depreciation, accelerated write-offs on improvements, property tax and operating expense deductions, and long-term

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Equity financing fuels business growth by turning ownership or asset value into capital you can deploy. There are two routes. The first sells a share of your company to investors. The second borrows against the equity in real estate you already own, which raises capital without giving up any ownership. For California business owners who hold commercial or investment property,

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A residential income property generates return through six levers that compound independently over the hold period. The 6 strategies to boost ROI are: optimizing loan structure, using built-up equity for portfolio growth, executing targeted value-add renovations, retaining quality tenants, setting rent against market comps, and operating the asset through property management technology. Each strategy acts on a specific ROI metric,

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Applying for a commercial real estate loan can open doors to new investments, property improvements, or refinancing opportunities. But the path to funding begins with your paperwork. Knowing which commercial loan documents are essential for your loan application can make the process faster, easier, and more successful. At Fidelity Mortgage Lenders, we aim to simplify that process for you. Unlike

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Fidelity Mortgage Lenders at the 2025 Western States CREF Conference We’re proud to share that John MacLean, Executive Vice President at Fidelity Mortgage Lenders, Inc., will be one of the featured speakers at the 2025 Western States CREF Conference. The Western States CREF Conference is one of the premier gatherings for commercial real estate finance professionals, bringing together industry leaders,

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If you’re investing in commercial real estate, there’s one critical decision you’ll need to make early on. Whether it’s a retail center, multifamily building, or office space, you should think about whether you’ll borrow from private lenders vs banks, the latter being the more traditional option. Both options can help you finance your next acquisition or refinance an existing loan.

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Join Us at the LoanMakers Forum™ Networking Expo! Fidelity Mortgage Lenders invites you to a dynamic afternoon of networking, live deal-making, and industry insights at the LoanMakers Forum™ on Wednesday, August 13, 2025, at the Voco Laguna Hills. This high-energy event brings together commercial real estate lenders, brokers, investors, and professionals for real-time loan presentations, lender matchmaking, and focused networking

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The commercial real estate loan process runs through six stages: evaluating your financing needs, pre-qualification, application, underwriting, approval and term sheet, and closing. Most private-lender transactions move from pre-qualification to funding in about 7 to 10 business days. Understanding each stage helps you prepare documents, meet requirements, and avoid the delays that slow commercial financing. Key Takeaways The commercial real

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Lenders approve a commercial property loan on four things: the property’s cash flow, measured by the debt service coverage ratio (DSCR); the loan amount against the property’s value, measured by the loan-to-value ratio (LTV); the borrower’s financial strength and entity; and the borrower’s experience. A bank runs this review over five to six weeks. A direct private lender approves the

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