Estimate your monthly CRE loan payment, total interest cost, and full amortization schedule. Compare loan structures before you apply.
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Key concepts every CRE borrower should know before applying.
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.
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 |
Every calculator we offer, in one place — run the next number your lender will ask about.
Common questions about commercial mortgage financing.
Commercial mortgages typically have shorter terms (5–10 years vs 30 years), higher rates, larger down payments (20–30%), and qualification is based primarily on the property's income (DSCR) rather than personal income alone. They also commonly feature balloon payments at the end of the term.
A balloon payment is the remaining loan balance due at the end of the loan term. For example, a loan with 25-year amortization but a 10-year term will have a large balance remaining after 10 years that must be refinanced or paid in full. This calculator shows your projected balloon balance.
True 30-year fixed rates are rare in commercial lending. SBA 504 loans offer 20–25 year fixed-rate portions. Most conventional commercial mortgages have 5–10 year terms with 20–25 year amortization schedules and a balloon payment at maturity.
Most conventional CRE lenders require 680+. SBA loans typically need 680–700+. DSCR loans focus on property income and may accept 660+. Bridge and private lenders may work with 620+ but at higher rates.
This calculator shows principal, interest, and optional property tax estimates. Your actual total cost will also include property insurance, maintenance, management fees, and potentially mortgage insurance or escrow reserves. Contact our advisors for a complete cost analysis.
We analyze your deal, identify the best-fit loan programs, and match you with multiple CRE lenders simultaneously. You get competing offers to compare — no shopping around yourself. Our advisory service costs you nothing upfront.
Our advisors analyze your deal structure and match you with the most competitive CRE lenders — no guesswork, no upfront fees.
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