Buy and OwnThe Owner-User Loan File: What an Arizona Lender Wants Before It Will Quote
See exactly what documents go in the owner-user loan file before an Arizona lender will quote your commercial real estate purchase.

> Insights
Market reads, deal mechanics, and strategy notes from David Pierce. Every byline written from the desk.
> Latest from the desk
Every post bylined by David Pierce. Market reads, deal mechanics, and Arizona commercial strategy from the desk.
Buy and OwnSee exactly what documents go in the owner-user loan file before an Arizona lender will quote your commercial real estate purchase.
Lease DecisionsDiscover the twelve clauses to red-line in an East Valley industrial lease before you sign, from CAM costs to personal guaranty terms. Contact us today.
Invest and ExchangeSell after mid-October and your 1031 clock gets cut short, leaving less time to identify and close on a replacement property. See the deadline rules.
Asset ClassIs self storage still worth it in Apache Junction? See what supply, cap rates, and permit data say before you buy or build. Talk to Pierce CRE.
Lease DecisionsSetting next year's office occupancy budget in Q4 without guessing at rent means locking market rent data before your lease renews. Talk to our desk.
Investor DecisionSyndication vs joint venture: how Phoenix investors should structure a group CRE deal for control, capital, and compliance. Talk to Pierce CRE today.
Invest and ExchangeChoosing a qualified intermediary in Arizona affects your 1031 exchange. Eight questions to ask before wiring funds, from bonding to fee structure.
Asset ClassLearn multifamily underwriting basics for a first Glendale acquisition, from rent roll to NOI, cap rate, DSCR, and exit. Talk to Pierce CRE today.
Lease DecisionsSee what LoopNet and Crexi vs a brokered search misses for Phoenix office and industrial tenants: pricing, timing, and off-market space. Contact us.
Tenant / OccupierDeciding to renew, blend and extend, or relocate your Scottsdale office lease? Compare rent, timing, and landlord leverage before you sign. Contact Pierce CRE.
Sell and Lease OutYour Maricopa County commercial tax bill is due October 1. See how value, tax rate, and deadlines combine, and what to do if you miss it.
Investor DecisionOwner user vs investor purchase changes SBA 504 eligibility and equity growth. See how Phoenix buyers should structure their next deal.
Asset ClassWeighing build to suit in Peoria against renewing a lease? Compare real costs, timelines, and land options with Pierce Commercial Real Estate. Reach out to star
Tenant / OccupierLearn how CAM reconciliation works and what a Mesa retail tenant should audit each year, from pro-rata share to CAM charges. Contact Pierce CRE today.
Investor DecisionShould you sell, refinance, or hold a stabilized Phoenix commercial asset? Compare the numbers with Pierce CRE before you decide.
Asset ClassHorse property as a land play in San Tan Valley means pricing acreage, zoning, and hold period first. Contact Pierce CRE to review available parcels.
Tenant / OccupierCompare lease vs buy for a growing Phoenix business using total occupancy cost, not just rent or mortgage payment. See the full breakdown from Pierce CRE.
Investor DecisionUse this commercial due diligence checklist for buyers of Phoenix industrial property to review title, zoning, and lease risk before closing.
Asset ClassEntitling a raw parcel in Queen Creek means working through zoning, infrastructure, and timeline risk. Pierce CRE walks investors through the rezoning path.
Tenant / OccupierA Phoenix tenant rep manages lease negotiations and tenant improvement talks, paid by the landlord, not you. See why tenant representation costs you nothing.
Investor DecisionLearn how cap rate vs cash on cash vs irr differ for Phoenix commercial real estate investors. Compare each metric and make sharper acquisition decisions.
Asset ClassMedical office building investing in the Gilbert and San Tan health corridor is driven by anchor hospital demand and East Valley population growth. Learn more.
Tenant / OccupierLearn right-sizing a Chandler warehouse with per-employee square footage benchmarks, racking height guides, and flex space comparisons. Contact Pierce CRE today
Investor DecisionComparing a dst vs direct replacement property? See when Delaware statutory trusts fit a 1031 exchange and when direct ownership serves investors better.
Asset ClassIndustrial outdoor storage in Mesa is the tightest commercial asset in the East Valley. Learn what drives IOS demand and how to find available sites.
Tenant / OccupierLearn what ti allowance to ask for on a gilbert industrial lease, from market ranges by lease term to negotiation strategies for East Valley industrial tenants.
Investor DecisionLearn how to estimate operating expenses and NOI on a Phoenix office building before you bid. Covers cap rates, property taxes, and management fees.
Asset ClassOffice to residential conversion in downtown Phoenix works for a narrow set of buildings. Learn which qualify and how incentives shape your capital stack.
Tenant / OccupierLearn the real cost difference between NNN vs modified gross vs full service leases before signing in Mesa. Property taxes, CAM, and base rent explained.
Investor DecisionLearn how reverse 1031 exchange mechanics let Phoenix investors buy replacement property first. Pierce CRE explains EAT rules, timelines, and costs.
Multifamily InvestmentExplore multifamily investment sales in Phoenix metro by submarket. Cap rates, buyer priorities, and 1031 exchange dynamics for 2026, from MHG Commercial.
1031 ExchangeBuild a replacement property pipeline with the right 1031 exchange strategy for Arizona investors. Defer capital gains taxes with guidance from Pierce CRE.
Office CREFind office space for lease in Scottsdale and Tempe. Pierce CRE covers 2026 market conditions, coworking, private offices, virtual offices, and lease negotiatio
Industrial CREPhoenix industrial sale-leaseback strategy converts owned real estate into capital without disrupting operations. Learn how owner-operators structure the deal.
Industrial CREFind industrial land for sale in Maricopa County. Expert guide to zoning classifications, site selection, and entitlement timelines in the Phoenix metro.
Industrial CREFind industrial space for lease in Phoenix across last-mile, flex, and distribution submarkets. Learn what drives space rent, vacancy, and how to evaluate your
Retail CRERetail investment sales in Arizona are shifting in 2026. See what Phoenix metro retail cap rates signal for buyers and sellers of commercial retail assets in Ch
Retail CREExplore restaurant and quick-service retail sites in Scottsdale, from Kierland Commons to pad sites along key corridors. Contact David Pierce for current market
Retail CRELearn how to evaluate retail lease terms in Chandler, Tempe, and Gilbert. Understand NNN structures, CAM charges, and lease negotiation before you sign.
Retail CREFind retail space for lease in Phoenix metro with this submarket guide covering Deer Valley, Paradise Valley, Chandler, and the East Valley. Contact Pierce CRE.
40 posts published · new working-broker notes publishing monthly
> Long-form guides
The full blog launches with the next monthly batch. Until then, the long-form pillar guides cover the Arizona commercial real estate questions investors and operators ask most.
> Guide
A working broker's guide to 1031 rules, timelines, identification, and Arizona-specific notes.
Read →> Guide
Water rights, zoning, fencing, arena, and infrastructure diligence for Arizona horse property buyers.
Read →> Guide
Commercial, residential, and land development across Arizona. Site selection, water, entitlement, pipeline.
Read →> What to expect
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