Loan Products
CRE Refinancing
Lower your rate or pull equity from existing properties
Owner-Occupied CRE Loan
Finance the building where your business operates
Cash-Out Refinance
Access equity for renovations or new acquisitions
Hard Money Takeout Refi
Exit hard money loans with permanent financing
Investment Property Loan
Acquire income-producing commercial properties
Tenant Improvement Financing
Fund fit-outs to attract quality tenants
Learn & Research
What Is a CRE Loan?
Fundamentals of commercial real estate financing
CRE Loan Requirements
Credit, DSCR, LTV, and documentation standards
CRE Loan Rates
Current rate ranges by property type and loan program
Construction Loans
Ground-up and renovation construction financing
Bridge Loans
Short-term capital while you secure permanent financing
DSCR Loans Guide
Qualify based on property income, not personal income
Document Checklist
Everything lenders require, organized by loan type
CRE Glossary
Definitions for every term lenders use
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SBA Loans
SBA Loans Overview
Government-backed financing with lower down payments
SBA 504 Loans
Long-term fixed-rate financing — 10% down
SBA 7(a) Loans
Flexible working capital and real estate financing
Other Loan Products
Term Loans
Lump-sum financing with fixed repayment schedules
Business Line of Credit
Draw funds as needed, pay interest only on what you use
Business Loan Refinancing
Lower your rate or consolidate existing debt
Equipment Financing
Purchase or lease business-critical equipment
SBA Certified
SBA 504 Rates as Low as 6.5%
Lock in long-term fixed rates for owner-occupied CRE with just 10% down.
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Free CRE Financial Tools
DSCR CalculatorCommercial MortgageLTV CalculatorCap Rate CalculatorNOI CalculatorSBA 504 CalculatorRefinance Break-EvenCash-Out EquityCash-on-Cash ReturnYield Maintenance
10 Free Tools
Run Your Numbers Before You Apply
DSCR, cap rate, LTV, NOI — every metric lenders look at, built for CRE.
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Articles & Guides
Article Hub
107 expert articles on CRE financing, strategy, and tips
Capital Insights
Market commentary and lending analysis from our team
Property Type Hub
Sector-specific financing guides for every property type
Reference & Support
CRE Hub
Commercial Real Estate Hub
FAQ
Quick answers to the most common borrower questions
How It Works
Our 3-step lender matching process explained
About BestLoanUSA
Our story, team, and commitment to CRE borrowers
Commercial Real Estate Hub
CRE Loan Hub
Commercial Real Estate Financing Hub with Property Types, Calculators, and Most of CRE Financing Options  
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💰 Tax Tool

CRE Depreciation Calculator

Calculate straight-line depreciation and annual tax savings for your commercial property investment.

📉

CRE Depreciation Calculator

Straight-line depreciation and tax savings

$
%
Land is not depreciable
%
#
Annual Depreciation Deduction
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Depreciable Basis
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Annual Tax Savings
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Total Tax Savings
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Recapture at Sale
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25% federal rate
💡 This uses straight-line only. Cost segregation can accelerate deductions significantly. Consult a CPA for your specific situation.

Maximize after-tax returns?Our advisors structure deals for tax-efficient investing.

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Understanding CRE Depreciation

The tax shield that makes CRE one of the most tax-efficient investments.

How It Works

The IRS lets you deduct building cost over 39 years (commercial) or 27.5 years (residential rental). This paper loss offsets income, reducing taxes even while the property appreciates. Land is never depreciable.

Cost Segregation

A cost segregation study reclassifies components into 5, 7, or 15-year categories. This front-loads deductions and can save tens of thousands in early-year taxes. Especially powerful with bonus depreciation.

Depreciation Recapture

At sale, cumulative depreciation is recaptured at 25% federal rate. $300K depreciation = up to $75K recapture tax. Can be deferred with a 1031 exchange.

Phantom Income Shield

Depreciation creates tax losses even with positive cash flow. $80K cash flow minus $40K depreciation = only $40K taxable. This deferral is one of CRE's most powerful wealth-building tools.

FAQ

Common depreciation questions.

Maximize Tax Benefits

Our advisors structure investments for optimal after-tax returns.

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CRE CALCULATORS

23 Professional-Grade Financial Tools

Run the same numbers your lender runs — before you apply. Every calculator is free, instant, and requires no signup.

Loan Analysis

Investment Returns

Refinance & Costs

Lease & Valuation

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Our 6 commitments to every borrower

Other lenders make promises.
We put them in writing.

Every commitment below exists because real borrowers got burned without it. We built BestLoanUSA to be the lender we wished existed.

$0
Hidden Fees
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48hr
Pre-Qualification
Know where you stand within one business day — not weeks or months of silence.
1
Dedicated Advisor
One point of contact from application to closing. No handoffs, no ghosting, no runaround.
Day 1
Complete Checklist
Full document requirements on your first call. No mid-process surprises asking for "one more thing."
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The rate and terms you're quoted are the rate and terms you close on. Period.
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Why borrowers switch to us

Five things your last lender should have done.

Borrowers don't come to us because lending is complicated. They come because someone else made it harder than it needed to be.

  1. 1
    48 hours to clarity. You'll know exactly where you stand — not wonder for months.
  2. 2
    Every dollar in writing. The rate and fees you see on day one are the ones you sign at closing.
  3. 3
    One advisor, start to finish. No handoffs. No vanishing acts. One person who knows your deal.
  4. 4
    Full checklist, first call. Every document listed upfront. No mid-process surprises.
  5. 5
    We earn when you close. No upfront fees. Our only incentive is your funded deal.
“I’ve spent over a decade watching good borrowers lose money to a broken process. BestLoanUSA exists so that stops happening.”
JK
Jason Kim
Managing Director, Commercial Lending
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