Commercial Real Estate Loans — Financing to Buy or Refinance Income Property
Commercial real estate loans let you purchase or refinance income-producing property — apartment buildings, mixed-use, retail, office, industrial, self-storage, and more. Unlike a home loan, the property’s income does most of the qualifying, so the deal has to pencil out on its own numbers. We place commercial loans across bank, agency, and private-capital programs and match your property and goals to the right structure. Mortgage-World.com (NMLS #1630225) is a licensed mortgage broker in New Jersey, Connecticut, and Florida.
Units to 100+
Any CRE Type
Qualify on the
Property
Purchase or
Refinance
States Served
NJ, CT & FL
Commercial Real Estate Loans
What Is a Commercial Real Estate Loan?
A commercial real estate loan is financing used to buy, refinance, or cash out an income-producing property rather than a primary residence. The property itself is the collateral, and its ability to generate income is central to approval. Because these loans are underwritten on the numbers of the deal — the rents, the expenses, and the value — they work differently from the home loan you may be used to, and the right structure depends on the property type and your goals.
At Mortgage-World.com, we help investors and business owners across New Jersey, Connecticut, and Florida finance the full range of commercial property — from bank and private-capital programs to agency options like Freddie Mac Multifamily for apartment buildings. Whether you’re acquiring your first small apartment building or refinancing a retail center out of a maturing loan, we match your deal to a program that fits.
Property Types
Commercial Property We Finance
Commercial real estate loans cover a wide range of income property. The most common types we place include:
| Property Type | Examples |
|---|---|
| Multifamily / Apartments | 5+ unit apartment buildings, portfolios |
| Mixed-Use | Retail or office on the ground floor with apartments above |
| Retail | Strip centers, single-tenant retail, shopping complexes |
| Office | Professional and medical office buildings |
| Industrial | Warehouses, flex space, light industrial |
| Self-Storage | Storage facilities and portfolios |
| Specialty | Mobile home parks, student housing, hospitality, restaurants |
If your property produces income and isn’t your primary home, there is almost always a commercial or investment program that fits — including 1–4 unit rentals, which can often be financed with a DSCR loan.
How It Works
How Commercial Loan Qualifying Is Different
The biggest surprise for first-time commercial borrowers is how much the property matters compared to the borrower. A few key differences from residential lending:
The property’s income qualifies the loan
Lenders look at the property’s net operating income against the loan payment — the debt-service coverage ratio (DSCR). A property that comfortably covers its own payment is the foundation of approval.
Loan-to-value is typically lower
Commercial loans generally require a larger down payment than a home loan, so plan on more equity in the deal. The exact figure depends on the property type, its income, and the program.
Terms are structured differently
Commercial loans often carry shorter fixed terms with a balloon or reset, and some amortize over a longer schedule than the term itself. We walk you through the structure before you commit.
Your experience and reserves count
Lenders also weigh your credit, liquidity, reserves, and track record as an owner or operator — especially on larger or specialty properties.
Ways to Finance Commercial Property
Related Programs
Related Financing at Mortgage-World.com
FAQ
Commercial Real Estate Loan FAQ
What qualifies as a commercial real estate loan?
It’s financing on income-producing or non-owner-occupied property — apartment buildings, mixed-use, retail, office, industrial, self-storage, and similar. The property’s income is central to how the loan is underwritten, unlike a loan on your primary home.
How much do I need to put down on a commercial property?
Commercial loans typically require more equity than a home loan, and the exact amount depends on the property type, its income, and the program. We’ll review your specific deal and tell you what to expect before you make an offer.
How does the lender decide if my property qualifies?
The main test is the debt-service coverage ratio — whether the property’s net income comfortably covers the loan payment. Your credit, reserves, and experience as an owner also factor in, especially on larger properties.
Can I refinance a commercial property or take cash out?
Yes. Commercial real estate loans can be used to refinance into a better rate or term, or to pull cash out of built-up equity for improvements or another acquisition — subject to the property’s income and value.
Do you finance small properties, like a 2–4 unit rental?
Yes. Smaller 1–4 unit rentals can often be financed with a DSCR loan, which qualifies on the property’s rent rather than your personal income. Larger 5+ unit and commercial properties use commercial programs.
