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Commercial Financial Broker·Dallas, TXFor businesses

Brian Gramlich

Terrydale Capital4.941 Google reviews

Investor real estate loans, shopped across many lenders

Owner of Terrydale Capital, an independent commercial real estate finance broker (not a bank) headquartered in Dallas. Investor loans of $1 million and up on apartments, retail and industrial property are the focus.

In business
Real estate since 2005; firm since 2017
Service area
Dallas HQ; closings nationwide
Member
since 2023

What Brian does

  • Permanent and bridge loans
  • Fannie Mae and Freddie Mac agency loans
  • Multifamily financing
  • Self-storage financing
  • Construction and land loans
  • Hard money loans
All services →

Problems Brian solves

  • One bank said no, or offered terms that do not work
  • A loan maturing with no refinance lined up
  • Valuation, title or survey problems threatening the closing
  • A value-add project a conventional bank will not touch
  • Your first commercial purchase and a lot of questions

Who should call

  • Investors acquiring or refinancing property of $3 million or more
  • Apartment owners from 8 to 500-plus units
  • Retail and industrial property owners
  • Owners with a maturing loan to refinance

The best introductionAn investor buying or refinancing an apartment, retail or industrial property of $3 million or more who wants several lenders compared.

Business banking is not his work: deposits, lines of credit, SBA, equipment or build-out loans and merchant services go to the chapter's commercial banker, Leslie Haxel. Not for a primary residence or a single small rental either.

10 guides by Brian

Answers Brian gives clients every week

All commercial financial broker guides
Commercial Financial Broker Your apartment loan matures in 18 months and rates have doubled: how a refinance gets done Thousands of North Texas apartment loans written at low rates are coming due into a very different market. Here is how to size the gap, when to start, what lenders will want from you and how a financing advisor turns a hard refinance into a closed one. 9 min read What does a commercial lender expect from me after my loan closes? After the commercial loan closes: reporting, covenants and setting up the next refinance 7 min read Is a Fannie Mae or Freddie Mac loan better than a bank or bridge loan for a Dallas apartment building? Agency, bank or bridge: choosing the right loan for a Dallas apartment building 7 min read Can you still get a loan on a Dallas office building? Can you still finance a Dallas office building? Yes, but the submarket decides how much 7 min read Should I use a commercial mortgage broker or go straight to my bank for a commercial property loan? Commercial mortgage broker or your own bank: who should place your property loan? 7 min read Is a hard money loan a bad idea for commercial property? Hard money on commercial property: the myths, the real costs and when it is worth it 7 min read How long does it take to close a commercial real estate loan? How long a commercial real estate loan takes to close, and what fills the weeks 7 min read How much down payment do I need to buy an apartment building in Texas? How much cash it really takes to buy an apartment building in Texas 7 min read Why did the bank turn down my commercial real estate loan, and what can I do now? The bank said no to your commercial loan: what the decline means and where to go next 7 min read What documents do I need to apply for a commercial real estate loan? The loan package lenders want for a commercial property, and how to build it yourself 7 min read

Why clients choose Brian

Proof, not promises

  • Independent commercial financing company headquartered in Dallas with an office in Kansas City
  • Relationships with the nation's top banks, lenders and family offices
  • Staff with over 60 years of combined real estate experience
  • Directly involved in over 1,500 closed commercial transactions nationwide
In business
Brian in real estate since 2005; commercial mortgage banking since 2011; Terrydale Capital founded 2017
Team
Dallas headquarters with a Kansas City office; named team includes Cody Baker, Max Laitner, Amy and Culby

What clients say

Excerpts from public Google reviews of Terrydale Capital. Read all 41 on Google.

★★★★★7 months ago

Hank Records at Terrydale wasn't just great at putting together the financing for my first deal. He was also great providing counsel every step of the way. As a first time buyer of commercial property, I had plenty of questions and concerns but Hank always explained the process and made it all possible. I'll definitely be using Terrydale Capital for my financing needs in the future!

— Eric D
★★★★★a year ago

The team was excellent in helping me secure the best commercial loan. Amy worked hard and made sure all my due diligence requirements were completed and sent in a timely manner. A+ rated

— Joseph Anya
★★★★★2 years ago

Terrydale was excellent every step of the way. As a first time buyer of commercial property it was great to know that I had financing taken care of. Their team also made the closing much easier as we had issues with our title company, but Terrydale's team got us great terms with our lender, streamlined the closing process, and made it all very easy. Thanks again!

— Matthew Bailey
Show 2 more reviews
★★★★★4 years ago

We worked on a commercial loan with Terrydale and had a phenomenal experience! We worked mainly with Cody and Summer helped us some as well but they were both amazing to work with and extremely helpful. Any questions we had Cody was always available to help answer day or night and truly helped us expedite the process and get us taken care of. This was our first property purchase in Dallas and we are forever grateful to Cody and the team for making it such an easy and seamless experience!!!

— Carter Heltzen
★★★★★3 years ago

Cody Baker at Terrydale Capital placed a great loan for us on a Boat & RV Storage property. He was instrumental in helping us negotiate some creative terms with our lender and ultimately closed a deal with which we are very pleased. We will definitely do more CRE loan business with Terrydale in the future.

— Jon Allen

How it works

What happens after you reach out

  1. Submit the deal Investors submit a loan request through Terrydale Live or schedule a call with Brian to walk through the property first.
  2. Underwriting and lender search Terrydale underwrites the deal and presents it to several banks, national lenders and family offices to source competing terms.
  3. Term sheet and due diligence The team keeps appraisal, Phase I, survey, title and sponsor documents on task so the file moves.
  4. Closing Terrydale stays with the borrower every step through closing, coordinating with the lender and title company.

In Brian's words

Situations Brian handles every week

One bank said no, or offered terms that do not work

A single lender's answer is not the market. Terrydale acts as the intermediary between the borrower and many lenders, underwriting the deal and presenting it to several banks, national lenders and family offices so the investor sees competing terms.

A loan maturing with no refinance lined up

Owners facing a maturity date need a permanent, bridge or agency loan placed before the clock runs out. Terrydale arranges permanent loans, bridge and mini-perm loans and Fannie Mae and Freddie Mac agency financing, and can restructure existing debt.

An apartment, retail or industrial acquisition that needs the right lender

Apartments, retail and industrial properties are Brian's focus, with multifamily from 8 to 500-plus units. He focuses on loans of $1,000,000 and up.

Deal problems that threaten the closing

Valuation, Phase I, survey, title, loan structure, sponsor strength, contract and operating agreement issues come up on nearly every transaction. Brian's role is to work through them alongside the investor so the closing stays on track.

A value-add or ground-up project a conventional bank will not touch

Terrydale arranges bridge financing, hard money and construction loans through construction lenders nationwide when the property or timeline does not fit a conventional permanent loan.

A first commercial purchase with lots of questions

Several clients describe Terrydale as their first commercial property purchase. The team explains the process, keeps due diligence on schedule and coordinates with title and the lender so the buyer is not left guessing.

Services

Everything Brian offers

Permanent loansLong-term financing for stabilized commercial property, either as a first loan or following a bridge.
Bridge and mini-perm loansShort-term financing that carries an investment until a permanent solution is arranged.
Agency lendingFannie Mae and Freddie Mac loans for apartment properties.
Multifamily financingLoans on apartment assets from 8 to 500-plus units, with a focus on loans of $1,000,000 and up.
Self-storage financingAcquisition and refinance loans on self-storage and boat and RV storage properties.
Construction and land financingGround-up construction loans through construction lenders nationwide, plus commercial land financing.
Hard moneyProperty-secured loans at higher cost and lower leverage when speed or circumstances rule out bank financing.
Retail, industrial, office and data center loansFinancing across the other commercial asset types the firm covers.
Advisory and consultationHelp with complex financing scenarios, restructuring existing debt and planning for growth.

Service area: Dallas–Fort Worth, Texas, Nationwide

About

Brian Gramlich

Brian Gramlich owns Terrydale Capital, an independent commercial real estate financing firm headquartered in Dallas. He has worked in real estate since 2005, first in residential sales, then in finance and servicing, and has specialized in commercial lending since 2011. He has also bought, rehabbed and sold apartment complexes himself.

Terrydale underwrites each deal and presents it to banks, national lenders and family offices so the investor sees competing terms, then stays on the file through appraisal, Phase I, survey, title and structuring issues until closing. Brian focuses on apartments, retail and industrial properties and on loans of $1,000,000 and up, and has originated and placed over $1 billion in loans.

Why clients choose Brian

  • Brian has originated and placed over $1 billion in loans and has bought, rehabbed and sold apartment complexes as an owner
  • Independent, so every deal is shopped to banks, national lenders and family offices rather than one balance sheet
  • Hands-on through valuation, title, survey and structure issues until the loan closes

Works alongside: Works alongside anyone who serves commercial real estate investors: commercial sales brokers, commercial insurance agents and brokers, and commercial title agents.

Member of BNI Preston Center since 2023.

FAQ

Questions people ask Brian

What loan types can Terrydale arrange?

Permanent, bridge and mini-perm, agency (Fannie Mae and Freddie Mac), construction, land and hard money loans on investment property, plus debt restructuring advice, sourced from banks, national lenders and family offices.

Is Terrydale a bank?

No. Terrydale is an independent broker and advisor: it holds no deposits and does not offer business accounts or business banking. It places investor real estate loans with outside lenders and compares their terms.

What property types do you finance most?

Brian focuses on apartments, retail and industrial properties. The firm also finances self-storage, office, commercial land, RV parks and data centers.

What loan sizes do you handle?

Brian focuses on loans of $1,000,000 and up. Since 2011 he has originated and placed over $1 billion in commercial mortgage loans.

How do I get a quote?

Submit a loan request through Terrydale Live for live quotes and current rates, or schedule a call with Brian to walk through the deal first.

Do you only work in Dallas?

No. Terrydale is headquartered in Dallas with an office in Kansas City and has closed transactions in all asset types nationwide, including recent deals in Texas, Florida, Kentucky, Missouri and Nebraska.

Contact

Reach Brian

CompanyTerrydale Capital
Office5740 Prospect, Suite 1000, Dallas, TX 75206

Email goes through the referral form so the chapter can record the introduction.

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