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This section will talk about Owner-occupied commercial real estate – also known as owner-user commercial real estate. (For investment properties- click here) The owner must occupy more than half—51% or more—of the building’s leasable space for the purposes of running their own business. A business that has the same ownership as a holding company that owns the property is also considered owner-occupied.

Asset types that qualify for owner-occupied financing include industrial buildings, flex, retail, office properties, and professional medical offices. Special-use properties such as self-storage, assisted living facilities/skilled nursing facilities and other healthcare properties, day care, and event centers also qualify. A multifamily property is not eligible for owner-occupied financing, but mixed-use buildings and hotels do qualify.

 Financing Options Available

Conventional Financing

SBA 504 (Low as 10% down)

SBA 7a Loan (Low as 10% down)

USDA B&I Loans

Hard Money Loan (For low credit borrowers or very special use properties)

Helpful Attachments

What is an SBA 504 Loan

What is the SBA 7a Loan Program


  • How much of a down payment do I need:

SBA provides as low as 10% down payment and conventional is about 20-25%. This does need to be in cash ready to be used. Banks generally don’t like borrowed down payments.

  • Do I need to occupy the entire building?

No, but you do need to occupy at least 51% and you can rent out the rest. Anything where you cant occupies over 51% then is considered an investment property.  Generally, banks will want to see that the business can afford the entire loan payment without any rental income from a tenant.

Have more questions? Are you located in Washington, Oregon or Idaho?

Contact Paul Long

Call or Text (253) 300.5414  email: paul@paultlong.com

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