Commercial vs Non Commercial (which is better)

Commercial vs Non Commercial (which is better)

Investor · Chicago, IL · Member since 2016 · 197 posts · 105 votes

Commercial pro's

1. Financing is based on more on the asset than the credit

2. It can force appreciation easier by doing renovations and increasing rent.

3. More income potential

4. Multiple commercial properties can get you financially free quicker.

Commercial Con's

1. Harder to analyze for the less seasoned investor.

2. Harder to manage for the less seasoned investor due to more tenants.

3. Harder to come up with the cash to put down.

4. Harder to find deals without the right network of people.

Non-Commercial Pro's

1. Easier entry price.

2. Easier to manage for the beginning investor.

3. It can be done with limited knowledge.

4. Depending on what you buy, the first deal or 2 will not kill you.

Non-Commercial Con's

1. Harder to scale.

2. A lot of competition.

3. Harder to force appreciation.

4. So many options from flipping, buy and hold, lease options. It could be hard to focus because of so many options. 

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John CasmonPro Member
Cincinnati, OH · Member since 2013 · 1k+ posts · 1k+ votes
6y

Commercial. Why? Outside of the higher profit potential, the solutions for the commercial cons are basically all "networking" related. The solutions for the non-commercial are systems and execution related which is more difficult to perfect, especially since margins are too slim to bring in multiple experts. 

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  • Danny RandazzoPro Member
    Apartment Syndicator · Charleston, SC · Member since 2016 · 973 posts · 728 votes
    6y

    @Quentin Mitchell commercial. The pros of going bigger, having scale, and forcing appreciation all out weigh anything to do with non commercial.

  • Investor · Chicago, IL · Member since 2016 · 197 posts · 105 votes
    6y
    Originally posted by @Danny Randazzo:

    @Quentin Mitchell commercial. The pros of going bigger, having scale, and forcing appreciation all out weigh anything to do with non commercial.

    I can't disagree with any of those points.

  • John CasmonPro Member
    Cincinnati, OH · Member since 2013 · 1k+ posts · 1k+ votes
    6y

    Commercial. Why? Outside of the higher profit potential, the solutions for the commercial cons are basically all "networking" related. The solutions for the non-commercial are systems and execution related which is more difficult to perfect, especially since margins are too slim to bring in multiple experts. 

  • Stephanie P.Pro Member
    Washington, DC Mortgage Lender/Broker · Member since 2016 · 4k+ posts · 2k+ votes
    6y

    The scalability is the key factor in going commercial. 

  • Developer · Cincinnati, OH · Member since 2018 · 1k+ posts · 3k+ votes
    6y
    Originally posted by @John Casmon:

    Commercial. Why? Outside of the higher profit potential, the solutions for the commercial cons are basically all "networking" related. The solutions for the non-commercial are systems and execution related which is more difficult to perfect, especially since margins are too slim to bring in multiple experts. 

     I agree with John. The "con's" with commercial can be addressed with the help of other people. I call it leverage on other people's expertise and effort. In addition, I like commercial deals because they are actually more open to creative deal structuring. For instance, commercial lenders are open to you raising capital from other individuals other than you. For residential, that's actually looked down upon. They want the cash seasoned in your bank account for at least 3 months.

    In a sense, raising capital for commercial deals is actually EASIER than residential.

    Commercial Con's

    1. Harder to analyze for the less seasoned investor.
    How to address: partner with a seasoned investor on the first 1-2 deals

    2. Harder to manage for the less seasoned investor due to more tenants.
    How to address: partner with a seasoned investor and/or find a great property management company

    3. Harder to come up with the cash to put down.
    How to address: partner with a 'money investor' to put up the money while you do the work

    4. Harder to find deals without the right network of people.
    How to address: partner with experienced commercial real estate brokers

  • Specialist · Tampa, FL · Member since 2012 · 933 posts · 492 votes
    6y

    @Quentin Mitchell I agree with @Danny Randazzo! I love all of the benefits of commercial pros than any of the commercial cons. The fact that you go further and much faster with others. There's less risk out on the table as well. More doors less risk. There's a saying out there, "The strength lies in numbers"

  • Investor · Chicago, IL · Member since 2016 · 197 posts · 105 votes
    6y
    Originally posted by @Michael Ealy:
    Originally posted by @John Casmon:

    Commercial. Why? Outside of the higher profit potential, the solutions for the commercial cons are basically all "networking" related. The solutions for the non-commercial are systems and execution related which is more difficult to perfect, especially since margins are too slim to bring in multiple experts. 

     I agree with John. The "con's" with commercial can be addressed with the help of other people. I call it leverage on other people's expertise and effort. In addition, I like commercial deals because they are actually more open to creative deal structuring. For instance, commercial lenders are open to you raising capital from other individuals other than you. For residential, that's actually looked down upon. They want the cash seasoned in your bank account for at least 3 months.

    In a sense, raising capital for commercial deals is actually EASIER than residential.

    Commercial Con's

    1. Harder to analyze for the less seasoned investor.
    How to address: partner with a seasoned investor on the first 1-2 deals

    2. Harder to manage for the less seasoned investor due to more tenants.
    How to address: partner with a seasoned investor and/or find a great property management company

    3. Harder to come up with the cash to put down.
    How to address: partner with a 'money investor' to put up the money while you do the work

    4. Harder to find deals without the right network of people.

    I can't say that I disagree I think commercial is definitely the way to go for all the reasons you mentioned.

  • Investor · Chicago, IL · Member since 2016 · 197 posts · 105 votes
    6y
    Originally posted by @Tj Hines:

    @Quentin Mitchell I agree with @Danny Randazzo! I love all of the benefits of commercial pros than any of the commercial cons. The fact that you go further and much faster with others. There's less risk out on the table as well. More doors less risk. There's a saying out there, "The strength lies in numbers"

    No agreement from me.

  • Rental Property Investor · Glen Rock, NJ · Member since 2015 · 3k+ posts · 2k+ votes
    6y

    @Quentin Mitchell

    Besides the common pros and cons, a lot depends on you. "What do YOU want to do when you grow up!". Where do you see yourself down the line? What's more important to you? Some people want to make enough to have a job-free living and enjoy life, others want to take it to the top and never stop, there're others in the middle of course. It's up to you to decide where you fit best! 

    Here's a short read on the topic: 

    https://www.biggerpockets.com/member-blogs/10850/85351-nothing-will-work-until-you-do-maya-angelou

    My best!

  • Investor · Chicago, IL · Member since 2016 · 197 posts · 105 votes
    6y
    Originally posted by @Quentin Mitchell:
    Originally posted by @Tj Hines:

    @Quentin Mitchell I agree with @Danny Randazzo! I love all of the benefits of commercial pros than any of the commercial cons. The fact that you go further and much faster with others. There's less risk out on the table as well. More doors less risk. There's a saying out there, "The strength lies in numbers"

    No agreement from me.

    I meant no arguement from me.

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