Commercial Property products brought to you by Massey Kouhssari

Post date: Feb 24, 2014 10:9:59 PM

Commercial Property Loans

This product comes in two flavors; investor and owner-occupied properties. Both are being scrutinized quite heavily so prepare yourself for a full documentation loan. Meaning, three years complete tax returns must be submitted.

For investor properties the maximum loan to value (LTV) that a bank will finance is somewhere between 65% to 75% LTV.

Some banks may only go 50% for retail properties.

Interest rates will vary depending on the strength of the borrower. The property must have at least a 1.25 to 1.35 Debt To Service Coverage Ratio as well. 

For owner-occupied properties, we can go a bit higher on the LTV, up to 90% financing in some cases because we add in an SBA component. It's not as scary as it seems. But be prepared to do some paperwork.

Contact us today to regarding your industrial, office or retail property.


Massey Kouhssari



Commercial Property Rate Examples

Rate quotes below are an estimate using recent market pricing parameters and generic risk and collateral assumptions and will vary with from borrower to borrower

3-year fixed rate:   4.50%

5-year fixed rate: 4.75%

7-year fixed rate: 5.85%

 Unsecured line of credit – variable rate: 3.73%

Apartment owners with a minimum of 5 units will find a wide array of financing options to meet their individual financing needs including assorted fix rate hybrid loans and prepayment options. Purchase refinance and cash out refinance are also available.

Eligible Properties:

Loan Amounts:

Term & Amortization:

Prepayment Penalty:

Loan to Value Ratio:

Debt Coverage Ratio:

Credit Score:

Application Fee:





Loan Features: