Contact Q Commercial Capital
There are three ways to reach us, and they are genuinely good for different things. Picking the right one gets you a useful answer faster.
Phone: (903) 402-5626 Email: info@qmortgage.ai
Q Commercial Capital is the commercial financing division of Q Mortgage LLC. Q Mortgage NMLS #2567464.
Submit a scenario — best for a real deal review
If you have a transaction you want evaluated, this is the right channel. A scenario submission captures the details we need in a structured form, which means the review starts with everything in one place instead of being reconstructed from a voicemail.
Use it when you have a property in mind, whether or not it is under contract, and you want an actual assessment: does the income support the loan, what structure makes sense, and which lenders would look at it.
A scenario review is a preliminary assessment, not an application, so we do not ask for a Social Security number, tax returns, or bank statements to start it. Full documentation is still required later for lender underwriting — financial statements, tax returns, rent roll and operating statements on income property, entity documents, and credit authorization — and those are collected through a secure system once a lender is attached to the transaction. Once your scenario is under review, our goal is to keep you with one point of contact rather than route you through a rotating queue.
Call — best for quick viability questions
Call (903) 402-5626 when you need a fast read rather than a full review. Good uses of a phone call:
Whether a property type is something we place at all. Whether a rough set of numbers is in the neighborhood of workable before you spend time on a contract. What a lender is likely to focus on for a particular asset. Whether an unusual situation — a partial vacancy, a business-purpose deal on 1-4 unit investment property, an entity structure question — changes the approach.
What a call cannot produce is a rate or an approval. Pricing comes from a lender after review of a specific file, and we will not invent a number to keep a conversation moving. If you want to book dedicated time rather than catch us live, schedule a review.
Email — best for follow-up, referrals, and general questions
Email info@qmortgage.ai for questions that are not tied to a live deal, for referral partner inquiries from agents, CPAs, and attorneys, or to follow up on something already in motion.
One important limit: do not email sensitive documents. Tax returns, personal financial statements, bank statements, and anything containing a Social Security number or account number should not go over ordinary email. When your transaction reaches the stage where those are needed, we provide a secure system for them. If you send them by email we will ask you to resubmit, which costs you time and leaves the information somewhere it should not be.
What to have ready
You do not need any of this to make contact. But the more of it you can supply, the more specific the first answer will be.
- Property type and location — multifamily, mixed-use, retail, office, industrial, or automotive, and the city and state. Lender coverage and appetite are both geographic and asset-specific.
- What you are trying to do — purchase, refinance, or cash-out refinance. These are three different underwriting conversations.
- Price or estimated value — the contract price on a purchase, or your best estimate of current value on a refinance. An estimate labeled as an estimate is perfectly useful.
- Loan amount you need — without this, coverage and leverage cannot be tested at all.
- Income and expenses, if the property produces income — gross rent and operating expenses, monthly or annual. Rounded figures are fine at this stage.
- Occupancy — whether the property is fully leased, partially vacant, or owner-occupied. This changes which lenders can look at it.
- Timing — a contract deadline, a loan maturity date, or a 1031 exchange window. Timing constraints affect which lenders make sense.
- Anything unusual — deferred maintenance, a tenant not renewing, a prior modification, a credit event, a partner buyout. Disclosed early, these can usually be addressed in how the file is presented; discovered in underwriting, they are expensive. Whether any of them can be worked around depends on the lender, the property, the borrower, and the transaction, and all financing is subject to lender approval.
What happens after you reach out
A scenario gets read and structured before anyone asks you for a document. We calculate the property's net operating income (NOI — rental income after operating expenses, before any loan payment), test debt service coverage (DSCR — that income divided by the annual loan payment) at realistic structures, and look at leverage (the loan amount as a percentage of value). Then we come back to you with what we are seeing — including the case where the deal does not work as presented, along with what would need to change.
If the transaction is viable, the sequence from there is: consultation, lender placement, term sheet, and only then a secure application. We do not send new inquiries to an application form and sort it out afterward.
Q Commercial Capital is a mortgage brokerage and does not lend its own funds. All financing is subject to lender approval, and terms vary by lender, property, borrower, and transaction. We do not guarantee approval, rates, or closing timelines.
Frequently asked questions
What should I send if I don't have complete financials yet?
Can I call before I have a property identified?
Can I email my tax returns and financial statements?
Information provided is for general educational purposes and does not constitute a commitment to lend. Programs, terms, rates, loan amounts, documentation requirements, and eligibility vary by lender, property, borrower, and transaction. All financing is subject to underwriting, appraisal, title review, due diligence, and lender approval.