PCVI Commercial provides comprehensive mortgage brokerage services for the acquisition and refinancing of hospitality properties, including hotels, motels, boutique inns, and extended-stay lodging facilities. Hospitality financing is a highly specialized sector of commercial real estate, requiring tailored underwriting and a thorough understanding of operational risk, seasonal cash flow, brand affiliation, and management performance. We not only arrange loans for property purchases but also structure financing for renovations and capital improvements throughout the lifecycle of hotel assets.
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We work with hotel owners, developers, and investors to structure capital solutions suited to property type, location, flag status (branded vs. independent), and revenue performance. Whether you are seeking a conventional loan from a commercial bank, SBA 504 or SBA 7(a) financing, or private lending for a transitional property, PCVI Commercial leverages its extensive lending network to match borrowers with the most competitive and appropriate capital sources.
Financing Types for Hospitality Assets
PCVI Commercial arranges financing across a wide range of hotel categories:
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Full-Service Hotels - Flagged or luxury properties offering multiple amenities, restaurants, and meeting space, often requiring customized financing structures to match complex operating income and higher staffing levels.
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Select-Service Hotels - Efficient hospitality properties with limited amenities, suitable for traditional loan programs with stabilized occupancy.
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Limited-Service & Economy Hotels - Smaller operations with basic amenities; often financed through bank term loans or private funding based on cash flow and location.
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Boutique and Independent Hotels - Unique or non-flagged properties that benefit from creative capital structures, bridge financing, or equity partnerships due to their distinct branding and operational models.
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Extended-Stay Hotels - Properties with longer average stays and kitchen-equipped units; financing often prioritizes occupancy trends, location near business districts, and demand drivers like healthcare or logistics.
Hospitality-Specific Underwriting Considerations
Hospitality real estate underwriting involves a detailed review of key performance metrics, such as RevPAR (Revenue Per Available Room), ADR (Average Daily Rate), and occupancy rates. Lenders also assess:
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Franchise agreements and brand strength
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Property Improvement Plans (PIPs) required by franchisors
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Seasonality and tourism demand
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Management experience and historical operating statements
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Market competition and barriers to entry
Because hotels are both real estate and operating businesses, cash flow volatility and property management are heavily scrutinized during the loan process.
Why Work With PCVI Commercial
At PCVI Commercial, we understand that hospitality properties present both unique risks and unique opportunities. We advocate for your financing needs, identify the most suitable lenders, and coordinate the due diligence required to secure competitive terms. We ensure the process is strategic, transparent, and responsive to your goals.
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Robert Hernandez holds a degree from the prestigious Cornell University School of Hotel Administration as well as an MBA from the Southern Methodist University Cox School of Business. He has underwritten and evaluated over $6.0 billion in proposed and closed hospitality transactions across the United States, Mexico, Russia, and the Caribbean. His specialized background in hotel operations and capital markets brings unmatched insight to each client engagement.