2026 Hospitality & Hotel Financing Playbook
Hotel acquisition, renovation and refinance financing, from room performance to PIP budgets and the path to permanent takeout.
Underwriting & Qualification Matrix
| Hotel Profile | Max LTV / LTC | Min Debt Yield | Min DSCR | FF&E Reserve | Structure |
|---|---|---|---|---|---|
| Flagged Limited / Select Service | 70% – 75% LTV | 10.5% DY | 1.35x | 4.0% of Gross Rev | Bridge or 5–10 Yr Term |
| PIP Repositioning / Flag Conversion | Up to 75% LTC | 11.0% Exit DY | 1.30x Exit | 100% PIP Funded | 24–36 Mo IO Bridge |
| Boutique / Independent Drive-To | 65% – 70% LTV | 11.5% DY | 1.40x | 4.0% of Gross Rev | Bridge or 5-Yr Term |
Core Playbook Execution Chapters
STR Report Benchmarking & RevPAR Index
Hospitality underwriting anchors on the Smith Travel Research (STR) report: Occupancy, Average Daily Rate (ADR), and Revenue Per Available Room (RevPAR) relative to the competitive set. Properties with a RevPAR Index below 90 undergoing a franchise PIP or management upgrade represent prime bridge-to-perm candidates.
Frequently Answered Financing Questions
Verified answers to common borrower and broker inquiries regarding loan sizing, guidelines, and execution.
What is BancorpOne and is it a direct lender or mortgage broker?
BancorpOne is a commercial mortgage brokerage helping real estate investors, developers, and business owners finance commercial real estate. We act as capital advisors arranging commercial debt rather than a direct depository bank.
We evaluate property fundamentals, borrower requirements, and transaction dynamics to structure and place senior debt, bridge loans, construction facilities, DSCR loans, and permanent mortgages through institutional capital sources and balance-sheet lenders.
Get Financing Scenario Sized →What commercial property types does BancorpOne finance?
BancorpOne arranges financing across multifamily (5+ units), industrial & logistics warehouses, retail centers, office & medical outpatient facilities, mixed-use developments, hospitality properties, and other commercial real estate.
Each asset class involves tailored underwriting metrics: multifamily focuses on net operating income (NOI) and rent rolls, industrial on logistics access and tenant credit, retail on lease terms and co-tenancy, and hospitality on historical ADR and RevPAR.
Explore Core Property Types →What types of commercial real estate financing can BancorpOne arrange?
We arrange commercial acquisition financing, refinance and cash-out debt, bridge-to-permanent loans, ground-up construction facilities, DSCR rental mortgages, and long-term permanent mortgages.
Structures accommodate stabilized assets seeking fixed-rate long-term capital as well as transitional or value-add properties requiring short-term interest-only bridge capital with future funding reserves.
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