| For | CPAs, attorneys and professional advisers |
| Financing questions | Commercial property, rental real estate and business premises |
| Initial inquiry | General scenario, timing and client permission |
CPAs and attorneys can introduce clients to Stonehaven Lending when a property purchase, refinance or business decision raises a commercial financing question. Begin with the client’s permission and a non-sensitive summary of the property, financing purpose, requested amount and timeline. The adviser retains responsibility for tax or legal advice while the financing scenario receives a separate review.
Stonehaven Lending is a mortgage brokerage arranging financing through third-party lenders. We welcome professional introductions for commercial real estate, rental-property and business-premises scenarios. The legal, tax and accounting conclusions remain with the client’s advisers.
Identify the decision the client needs to make
For an owner-occupied business property, explain whether the client is purchasing, refinancing or considering a move from leased space. The relevant financing path may involve commercial real estate lending or an SBA program, depending on the facts. Mention the operating business, property use and intended ownership structure without assuming eligibility.
For a rental-property owner, distinguish acquisition financing from a refinance or cash-out request. The current balance, loan maturity, use of proceeds and intended occupancy can change the review. A DSCR discussion is a product conversation, not a substitute for determining the transaction’s actual purpose.
For a transaction in progress, identify the financing deadline and the question blocking the next decision. It might be a requested loan amount, property type, ownership change or document requirement. An initial review is more useful when it addresses one defined issue rather than a general request for the best loan.
Share enough to frame the scenario
A first introduction can identify your professional role, the property state and type, approximate value or price, requested amount, financing purpose and timing. Discuss with the client who should participate in the next conversation. If identifying information is not yet necessary, start with a general description.
Do not send tax returns, privileged communications, account statements or other sensitive records through a public inquiry form. Obtain the client’s permission before sharing information, and use the appropriate document process if the financing review proceeds. Clarify what updates may be returned to your office.
Keep the adviser’s role clear
A lender’s acceptance of an ownership structure does not establish its tax or legal suitability. Similarly, a planning estimate does not confirm that financing is available. Coordinating these questions can help the client understand which decisions depend on underwriting and which belong with professional advisers.
Before making an introduction, consider your professional obligations, conflicts and confidentiality requirements. AICPA guidance addresses commission and referral-fee disclosure among members’ responsibilities. Attorneys should evaluate their own jurisdiction’s professional-conduct rules. Disclosure alone does not authorize a payment prohibited by another law.
No automatic compensation arrangement
This page invites professional conversations and does not offer referral compensation. Any proposed commercial relationship needs a separate review of the transaction, applicable states, parties and professional restrictions. Do not infer that a business-purpose loan permits every professional to receive a fee.
Connect the financing question with the right next step
Introduce your practice to Stonehaven and describe the types of client questions you encounter. For an active scenario, include the timing and a non-sensitive summary. Ask which information is needed next before sharing a full file.
Clients with managed rentals may also benefit from our property-manager guide. For a mortgage professional working alongside your office, see our guide to broker scenario introductions.