Guides on credit requirements, down payments, and lender criteria for owner-occupied CRE financing
Explore our commercial real estate loan guides. Learn what credit score lenders prefer, how much down payment is typically required, and what underwriters evaluate before approval. Avoid mistakes that delay or deny closing and check CRE loan red flags (recourse, prepayment, balloon, closing costs) before you sign. View commercial real estate loan services or get matched.
Broker fees run 0.5–2% of the loan. What that buys, which lenders they reach, and when the bank is the cheaper route.
Read moreOne loan that funds the build then converts to a mortgage — the two phases, draws, rates, and down payment.
Read moreTypical construction-phase rates, why they run higher than mortgages, fixed vs variable, and what moves your rate.
Read moreEstimate your interest-only construction payment and the amortized permanent payment for a construction-to-permanent loan.
Read moreHow to refinance your commercial property: rate-and-term vs cash-out, LTV and DSCR limits, rates, costs, and timeline.
Read moreA step-by-step playbook from payoff quote to closing—documents, lender types, appraisal, and what stalls deals.
Read moreWhich refinance type fits your goal? Compare LTV, rates, costs, and risk to choose between savings and equity.
Read moreTypical refinance pricing by lender type and the factors that move your rate—credit, DSCR, LTV, and fees.
Read moreThe signals that say refinance now—and the ones that say wait. Includes the break-even test and balloon timing.
Read moreWhy starting CRE refi 6 months before balloon maturity is the difference between competitive permanent (5.5-8%) and forced bridge (9-11%). Prepayment penalty math + playbook.
Read moreReal paths to 100% financing on owner-occupied commercial property: SBA 504 + seller carry, SBA 7(a) + seller carry, USDA B&I rural, and bank + mezzanine stacks.
Read more6 real ways to close a CRE deal when appraisal comes in below contract: price reduction, more equity, seller carry, second appraisal, switch lenders, restructure.
Read moreCurrent CRE loan rates across bank, life co, CMBS, agency, SBA 504, and hard money. LTV, DSCR, term, and property-type pricing impacts.
Read moreA practical CRE underwriting checklist: DSCR, equity, credit profile, property risk, and the documents that prevent delays.
Read moreEstimate your monthly payment, total interest, and balloon balance on a commercial mortgage—amortization vs. term made simple.
Read moreSBA 504, conventional, bridge. Financing for medical office. Physician, dental, ambulatory surgery.
Read moreSBA 504, conventional, bridge. Owner-occupied manufacturing, distribution, logistics.
Read moreSBA 504, conventional, bridge. Owner-occupied retail, multi-tenant strip. Down payment and terms.
Read moreUnlock equity for business capital without selling. LTV limits, qualification requirements, timeline, and when refinance makes sense.
Read moreCompare owner-occupied and investment CRE loans by down payment, loan programs, underwriting focus, and when each makes sense.
Read moreCompare SBA 504 vs conventional CRE by down payment, terms, rates, and when to use each for owner-occupied property.
Read moreCompare typical closing timelines for conventional, SBA 7(a), and SBA 504 CRE loans and what causes delays.
Read moreCredit score tiers by loan type, what lenders consider beyond score, and how to improve approval odds.
Read moreTypical down payment ranges for SBA 504, SBA 7(a), and conventional CRE loans and what affects equity requirements.
Read moreA breakdown of DSCR, equity injection, credit profile, property risk, appraisal, and liquidity requirements.
Read moreDocumentation gaps, appraisal issues, covenant mistakes, and other errors that slow or kill your CRE closing.
Read moreDeal and term red flags: recourse, prepayment penalties, balloon payments, and closing costs to watch before you sign.
Read moreCMBS, life-insurance company, and agency (Fannie/Freddie/FHA) debt compared: rates, LTV, terms, recourse, prepayment. By property type and sponsor profile.
Read moreDSCR loan vs conventional mortgage for investment property: a DSCR loan qualifies on the property's rental cash flow with no personal income docs; a conventional loan...
Read moreDSCR rental loans for real estate investors: 75-80% LTV, no personal income docs, DSCR 1.0-1.25x, rates 7-9%, 30-yr amortization. For SFR, 2-4 unit, multifamily 5-10 unit.
Read moreHotel financing programs compared: SBA 504 (10% down, ~6%, $5.5M cap), CMBS ($5M+, 6.5-8%, 10-yr balloon), conventional bank ($10M+, 25-30% down). By deal size and flag.
Read moreMultifamily loan down payment is 13–35% depending on program: Fannie/Freddie 20–25%, FHA 223(f) 13%, banks 25–30%, bridge 25–35%. Full breakdown by property type and loan...
Read moreWhy commercial mortgage refinances get delayed: appraisal revisions, title exceptions, covenant waivers, insurance, and third-party reports—and how to keep the timeline on...
Read moreSelf-storage facility financing: SBA 504 (under $5.5M, 10% down, ~6%), CMBS ($3M+, 25-30% down, 6.5-8%), bridge for lease-up (9-12%). Acquisition + construction structures.
Read moreWe match you with lenders offering owner-occupied commercial real estate financing options.