Commercial Loans
Commercial Loans – Financing for Larger Investment Properties
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Commercial loans are used to finance larger real estate assets, typically properties with 5 or more units, mixed-use buildings, or other income-producing commercial real estate. Unlike residential loans, commercial financing focuses heavily on property performance, cash flow, and overall deal strength, making them a powerful tool for investors scaling into larger projects.
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Common property types:
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Multifamily (5+ units)
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Mixed-use properties
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Retail or office buildings
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Warehouse and light industrial
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See if your property is eligible for Commercial financing:
What qualifies as a commercial loan? Properties with 5 or more residential units or non-residential income-producing properties typically fall under commercial financing.
How are commercial loans qualified? Qualification is primarily based on property income, expenses, DSCR, and borrower experience.
What down payment is required? Most commercial loans require 30-40% down, depending on the asset and risk profile.
Are interest rates higher than residential loans? Commercial loan rates are often slightly higher, but terms are flexible and tailored to the deal.
Can commercial loans be used for value-add properties? Yes. Many programs allow value-add strategies, including renovations and repositioning.