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Or a tenancy incentive upfront. It can be hard to pull tenants and is often a LL cost with refit clauses too. Or a negotiation problem when you quit the lease (the LL will only want the fitout if a new tenant also wants it. Some don't care and want it stripped = Westfields). Not all tenancy...

Yes - I don't think most people expect the fees, low LVR and the margin that comes with Commercial lending. I have seen clients thinking like resi to find rates 3% above market, $2.2K a year in rollover fees + LVR around 60% + $45 a month fees. + Val. They do get surprised. One of the benefits...

Many commercial leases have makegood and refit clauses which are capital expenditure.