Zoned Commercial

Don't File a Commercial Insurance Claim Until You Watch This — What Most Owners Get Wrong

Sun, 30 Aug 2026 17:30:37 GMT

Most commercial property owners buy insurance because they have to — then never read the policy. And when a major loss hits, they find out the hard way that what they bought does not cover what happened. In Episode 5 of Zoned Commercial, I walk you through commercial insurance from the ground up — what you actually need, the gaps your standard policy almost certainly has, what your lender requires versus what actually protects you, how to handle a claim correctly, and the five mistakes that can void your coverage when you need it most. I am Roy Malkison — licensed realtor, loan officer, insurance agent, and business broker. This is the official podcast of Malkison Company. In this episode we cover: — Why commercial insurance is completely different from residential — and why this matters — The four core policies every commercial property owner must have — Replacement cost vs. actual cash value — and the coinsurance trap that punishes underinsured owners at claim time — The five coverage gaps standard policies leave open — flood, earthquake, ordinance and law, equipment breakdown, and vacancy — What your lender requires vs. what actually protects your equity and income — What your leases must require from tenants — additional insured, waiver of subrogation, primary and non-contributory language — How to handle a claim correctly from the first minute — before you touch anything — Five mistakes that give insurers grounds to deny or reduce your claim — The annual insurance review checklist — what to check every single year

Stop Trusting Your Property Manager Until You Watch This — Commercial Real Estate

Sun, 30 Aug 2026 17:11:05 GMT

Most commercial property owners never read their management agreement. They do not know what fees they are paying, what authority they have given away, or what their manager is doing with their money. This episode fixes that. In Episode 4 of Zoned Commercial, I walk you through everything you need to know about commercial property management — before you hire someone, while you have someone, and the exact moment you should fire them and start over. I am Roy Malkison — licensed realtor, loan officer, insurance agent, and business broker. This is the official podcast of Malkison Company. In this episode we cover: — Commercial vs. residential property management — why they are completely different and why this distinction matters — When to self-manage vs. when to hire — and the threshold that makes the decision easy — How property management fees actually work — management fee, leasing commission, ancillary fees, and the gross collected vs. gross scheduled trap — The 10 clauses every commercial management agreement must have before you sign — CAM reconciliations — what they are, what goes wrong, and how to review them yourself — Tenant retention and lease renewals — why you must start the conversation 12 to 18 months early — The 5 red flags that tell you the relationship is over — 5 interview questions to find the right manager for your asset

How Deals Die at the Last Minute in Commercial Real Estate & How to Protect Yours

Sun, 30 Aug 2026 12:58:59 GMT

Most commercial real estate deals that fall apart don't die during negotiation. They die in the final week — during due diligence — when something surfaces that nobody caught earlier. In Episode 3 of Zoned Commercial, I walk you through everything that can kill your deal before closing — and exactly what to check, in what order, so you are never caught off guard. I am Roy Malkison — licensed realtor, loan officer, insurance agent, and business broker. I have seen deals unravel days before closing. This episode is the checklist I wish every buyer had from day one. In this episode we cover: — What due diligence actually means in commercial real estate — and how long you have — Title search and title insurance — what clouds on title look like and how they stop a closing — The environmental report (Phase One) — what triggers it, what it finds, and what happens when it does — Property inspection — the structural, mechanical, and system issues that kill deals — Survey issues — easements, encroachments, and boundary disputes — Zoning verification — confirming the property can legally do what you plan to use it for — Lease and tenant audit — estoppel certificates, rent rolls, and what tenants can hide — Financial document review — actual NOI vs. what was marketed — Lender re-underwriting — when the bank changes terms after the appraisal comes in — The top five deal killers and how to protect your earnest money when they hit

The Warning - Stop Signing Commercial Loan Term Sheets Until You Watch This.

Sun, 30 Aug 2026 12:51:52 GMT

Most people sign commercial loan term sheets without fully understanding what they agreed to. This episode changes that. In Episode 2 of Zoned Commercial, I walk you through a commercial loan term sheet line by line — in plain English. Every number. Every fee. Every clause that can trap you if you are not paying attention. And exactly what you can push back on. I am Roy Malkison — licensed realtor, loan officer, insurance agent, and business broker. This is what I do every day. Now I am giving you the inside view.

Commercial Real Estate 101: Everything You Need to Know Before You Buy Your First Property

Sun, 30 Aug 2026 12:44:50 GMT

Most people think commercial real estate is only for big investors with deep pockets. It's not. In this episode, I break down everything you need to know to get started — from scratch. Welcome to Zoned Commercial — the official podcast of Malkison Company. I'm Roy Malkison: licensed realtor, loan officer, insurance agent, and business broker. Every episode, I break down the world of commercial real estate, lending, insurance, and business in plain language so you can make smarter financial decisions. In Episode 1, we cover: — What commercial real estate actually is (and how it's different from residential) — The 5 types of commercial property every investor needs to know — How commercial properties are valued by income — not comps — Commercial lending: the 5 loan types and what banks actually look for — Why commercial insurance is capital protection, not just an expense — 3 realistic entry points into commercial real estate no matter where you're starting from