Many lenders seem to be afraid to approve a commercial mortgage loan.  Their requests for ever more exotic and marginally relevant information, documents, studies, etc. seem to be designed to find a reason to turn down the loan request. In mortgage financing there really are only three factors to consider in loan approval.

1. Is the collateral being provided sufficient for the lender to recover all costs, fees, expenses, and investment return in case of default?

2. Does the borrower have sufficient income to make the monthly payments and an ability to pay off the loan when due?

3. Is the risk of default low enough to fit the criteria of the lender?

Any requirements that are not geared to answering one of these three questions is just being used to disqualify a loan.