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Commercial mortgages typically amortize over 20–25 years but have a balloon payment (loan term) of 5–10 years. At term end, the remaining balance must be refinanced or paid in full. This structure keeps payments lower while giving lenders flexibility.
Commercial mortgage rates depend on property type, LTV ratio, DSCR, borrower experience, loan size, and market conditions. Owner-occupied properties with SBA backing can get rates 0.5–1.5% lower than investor properties.
Most commercial mortgages require 20–30% down. SBA 504 loans offer 10% down for owner-occupied. Higher down payments improve DSCR, lower your rate, and increase approval likelihood on marginal deals.
Budget 2–5% of the loan amount for closing costs: appraisal ($3K–$8K), environmental ($2K–$5K), legal fees, title insurance, origination fee (0.5–1%), and lender due diligence. BestLoanUSA charges no upfront advisory fees.
Rates vary by property type, LTV, and borrower profile. Updated regularly.
| Loan Type | Rate Range | LTV | Term | Best For |
|---|---|---|---|---|
| Conventional | 5.5% – 7.5% | 65–75% | 5–10 yr | Strong borrowers, stabilized properties |
| SBA 504 | 5.0% – 6.5% | Up to 90% | 10–25 yr | Owner-occupied, below $5M |
| SBA 7(a) | 7.0% – 9.5% | Up to 85% | Up to 25 yr | Flexible use, smaller deals |
| DSCR Loan | 6.5% – 8.5% | 65–75% | 5–7 yr | Investors, no income docs |
| Bridge Loan | 8.0% – 12% | 60–70% | 12–36 mo | Value-add, quick close |
| CMBS | 5.5% – 7.0% | 65–75% | 5–10 yr | Larger deals $3M+, non-recourse |
Common questions about commercial mortgage financing.
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