Commercial real estate loans or business mortgage loans undergo even more review than a home mortgage loan. If you plan to take out a business mortgage loan to buy, renovate, or refinance commercial property, remember that a lender will look at your complete financial picture. This includes your net operating income divided by your annual debt with interest and principal. The lender will investigate whether you have the ability to repay the loan and aren’t overextended. It’s usually best to pay down existing debt before taking out more.