Commercial Real Estate Loans
Commercial real estate loans finance eligible income-producing commercial and mixed-use investment properties. These business-purpose programs generally evaluate the property’s income and operating performance along with borrower factors. Property type and use can affect structure. Availability, terms, and eligibility vary by lender, property, and jurisdiction.
Who It's For
- Investors acquiring or refinancing commercial property
- Borrowers with mixed-use or income-producing commercial assets
- Owners seeking to access equity in commercial real estate
Common Uses
- Purchasing an eligible commercial property
- Refinancing existing commercial debt
- Accessing equity in a stabilized commercial asset
Qualification Overview
- Commercial programs generally evaluate the property’s income, expenses, and use along with borrower factors.
- Property type, tenancy, and market are typically considered.
- Requirements vary by program and investor.
Common Variables
- Property type and use
- Net operating income and tenancy
- Market and location
- Borrower experience and reserves
Eligible Property Types
- Eligible commercial properties
- Mixed-use properties (program-dependent)
Common Documentation
- Operating statements and lease information (program-dependent)
- Property information
- Entity documents
Loan Purpose
Business-purpose financing for eligible commercial investment properties.
Potential Advantages
- Income-focused evaluation on eligible programs
- Supports a range of commercial property types
- Purchase, refinance, and cash-out scenarios may be available
Potential Considerations
- Underwriting can be more involved and property-specific
- Tenancy and use affect eligibility
- Terms vary by property and market
Frequently Asked Questions
- What counts as commercial property?
- Commercial property generally includes income-producing non-residential assets and certain mixed-use properties. Eligibility depends on property type, use, and program guidelines.
Related Resources
Program details are general and for educational purposes only. This is not a commitment to lend, an offer, or specific loan terms. All programs are business-purpose investor loans subject to underwriting, property review, investor guidelines, and applicable law. Availability, eligibility, and terms vary by state and transaction. Simple DSCR is an assumed business name of WooHoo Mortgage LLC, NMLS #2347993.