Commercial Loans

Commercial Loans Breakdown:

Financing for investment properties, offices, retail, and multi-family buildings.

  • 5–25 Year Terms – Fixed rates or interest-only options available.

  • Up to 75–80% LTV – Higher leverage than most banks on multi-family and investment deals.

  • Fast 30–45 Day Closings – Local and national lenders who love San Diego deals.

  • All Property Types – Apartments, office, retail, industrial, mixed-use, Airbnbs.

  • Self-Employed & Entity Friendly – Qualify with bank statements or full-doc.

Commercial Loan FAQ's

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What types of properties qualify?

5+ unit apartments, office buildings, retail centers, industrial, mixed-use, short-term rentals — basically anything that produces income.

How much can I borrow?

Usually 70–80% of appraised value (90% on some SBA deals). $500k to $50M+.

Can I get a commercial loan in my LLC or trust?

Yes — almost all of my lenders close in entities with no personal guarantee on larger multi-family.

How long does funding take?

30–45 days standard, 14–21 days on bridge/SBA 7(a)

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