Commercial
Commercial
Unlock your business potential with CMRE's Commercial Loan program. Designed for investors and business owners, our commercial loans provide flexible financing options to acquire, refinance, or improve commercial properties. With competitive rates starting at 8.5% and a streamlined approval process, CMRE can help you achieve your real estate investment goals.
Key Facts About Commercial
CMRE commercial loans finance office, retail, industrial, and multifamily properties.
Commercial loans from CMRE range from $500,000 to $50 million.
CMRE commercial programs offer 5, 7, and 10-year fixed-rate terms.
Commercial loans at CMRE require a minimum DSCR of 1.25.
CMRE commercial lending covers acquisition, refinance, and construction.
CMRE Commercial ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Commercial.
CMRE Commercial closes in LLC, corporation, or trust names.
Program Benefits
Competitive interest rates starting at 8.5% for qualified borrowers.
Financing available for a wide range of commercial property types.
Flexible loan terms to fit your specific business needs.
Loan amounts available to suit various investment strategies.
Opportunity to acquire, refinance, or renovate commercial properties.
Expert guidance throughout the loan process from CMRE's experienced team.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
N/A (Commercial loans do not typically use DTI)
Loan Amount Range
Varies based on property and borrower qualifications
Amortization Options
Eligible Properties
- Office Buildings
- Retail Spaces
- Industrial Properties
- Multifamily Buildings
- Mixed-Use Properties
Program Requirements
Income Documentation
- •Demonstrated ability to repay the loan based on business revenue.
- •Historical financial statements (profit and loss, balance sheets).
- •Projected income statements for new businesses or acquisitions.
- •Tax returns for the business and principals.
Asset Verification
- •Verification of liquid assets to cover down payment and closing costs.
- •Schedule of existing real estate holdings.
- •Appraisal of the commercial property being financed.
- •Documentation of any collateral being pledged.
Insurance & Title
- •Property insurance covering the full replacement cost of the building.
- •Liability insurance to protect against potential lawsuits.
- •Business interruption insurance to cover lost income in case of unforeseen events.
- •Flood insurance if the property is located in a flood zone.
Property Requirements
- •Minimum FICO score of 640.
- •Review of business and personal credit history.
- •Acceptable debt-to-income ratio.
- •No recent bankruptcies or foreclosures.
The Complete Guide to Commercial Real Estate Financing
What Is Commercial?
Commercial real estate loans differ significantly from residential mortgages. They are typically used to finance properties intended for business purposes, such as office buildings, retail spaces, and industrial properties. The terms and requirements for commercial loans are often more complex and require a thorough understanding of financial statements and business operations.
Qualifying for Commercial
- •Underwritten on property income (DSCR) and borrower financial strength.
- •Typical DSCR requirement: 1.20x-1.25x (NOI / debt service).
- •2+ years business experience, adequate liquidity, acceptable credit.
- •CMRE commercial bank statement programs: qualify with 12-24 months statements instead of tax returns.
- •SBA programs (7(a), 504, Express) available for owner-occupied commercial with as low as 10% down.
Commercial vs. Residential Lending
- •Commercial: underwritten on property cash flow. Residential: on borrower income.
- •Commercial terms: 5-10 year terms with 25-30 year amortization.
- •Commercial allows LLC/Corp entity vesting for asset protection.
- •CMRE offers both — our team determines the best structure for your situation.
Apply for Commercial with CMRE
- •Step 1: Submit property details — type, location, price, NOI, business plan.
- •Step 2: CMRE provides preliminary terms within 48 hours.
- •Step 3: Application with financial statements, rent rolls, entity docs.
- •Step 4: Appraisal and environmental assessment.
- •Step 5: Underwriting in 2-4 weeks. Closing in 30-60 days.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
Interest rates for commercial loans vary based on factors such as the borrower's creditworthiness, the loan amount, and the property type. CMRE offers competitive rates starting at 8.5% for qualified borrowers. Contact us for a personalized rate quote.
The maximum LTV ratio for CMRE's commercial loans is 75%. This means you may need to provide a down payment of at least 25% of the property's value.
CMRE offers financing for a wide range of commercial property types, including office buildings, retail spaces, industrial properties, multifamily buildings, and mixed-use properties. Contact us to discuss your specific property type and financing needs.
Key requirements for commercial loans include a good credit score (minimum 640), a strong financial history, a well-developed business plan, and sufficient assets to cover the down payment and closing costs. Lenders will also evaluate the property's value and potential income to assess the feasibility of the loan.
CMRE Commercial starts at $250,000. SBA may start lower. Max depends on property type — up to $50M.
Yes. Entity vesting is standard for commercial. Personal guarantee typically required.
Yes. CMRE commercial bank statement programs use 12-24 months statements instead of tax returns.
Typically 5-10 year terms with 25-30 year amortization. CMRE structures terms based on cash flow and exit strategy.
Commercial by Location
Get local rates, loan limits, and market data for Commercial in your area.
CA
CO
GA
ID
IL
MI
NJ
NY
OH
OR
VA
WA
View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
