Owner Occupied Conventional Financing
Finance the property your business operates out of and occupies with a conventional commercial loan
Owner Occupied Commercial Real Estate
If you have 20% or more of a down payment to put into your purchase, then a conventional loan is a great option to finance your owner occupied real estate. In fact, conventional loans have the most competitive pricing and also feature fixed rate periods.
In addition to being your own landlord, owning your business property offers other real benefits.
Typically, benefits of owner occupied commercial real estate may include:
Tax Advantages: Incidentally, renters have few to no option in leveraging their space for tax reasons. Commercial owners however, may be able to deduct the interest paid on a commercial real estate loan. Also, you may be able to write off building related expenses. Regarding these tax advantages, always consult a tax advisor before making decisions.
Cost Stability: Unfortunately, rent is a variable cost. In the event that rents rise, your businesses cashflow could be affected. Additionally rent increases can come at an importune time or worse, even outpace the rate of inflation. In contrast, these risks can be mitigated by becoming an owner-occupier.
Asset Diversification: For many business owners, much of their net worth is tied to their business. That being the case, real estate can help diversify your business holdings vastly, by adding commercial real estate equity.
Are you looking to purchase owner occupied real estate? To learn more about our process, take the first step by getting in touch with us today.
Financing Owner Occupied Commercial Real Estate
Program Features
Location: Nationwide
Loan Amounts: $100,000-$100,000,000
LTV: Up to 80%
Term: 5-20 Year Fixed Term, up to 25 Year Amortization
Prepayment: flexible prepayment options available
Commercial Real Estate Refinance Loans
Consequently, refinancing can be a great option for owners with an existing mortgage on their business property.
There are many benefits of refinancing. Most commonly, securing a lower rate, lengthening the term or addressing a maturing loan.
When refinancing, you’ll use the funds from a new loan to pay off your existing commercial mortgage.
Reasons to consider a refinance include:
1. Lowering your monthly payment
2. Changing Loan Terms
3. Tapping into equity to make improvements.
4. Tapping into equity to add new commercial real estate
Helping You Find the Top Commercial lenders in Southern California, and Nationwide
Insider’s Finance is your full-service mortgage brokerage firm. We specialize in commercial, multi-family, SBA, and single-family financing. Using our deep industry experience and network and not to mention our commercial loan underwriting experience, we are ready to help you secure better terms and faster approvals than by going it alone. But more importantly, we’re a business with a heart for service. We have a passion for making your business and real estate goals a reality.
Also, we understand every client’s needs are different, and that’s what we understand better than you’ll find working alone with traditional lenders. Therefore, when others say no, we connect you with lenders that want to say yes. Most importantly, we leverage the entire capital marketplace. Serving as your single point of contact with multiple lenders during the process.
We look forward to learning more about you and discovering how we can help make your real estate goals a reality.
To get started, contact us by clicking the button below.
Contact Us Today
We look forward to learning more about you and discovering how we can help make your real estate goals a reality.
Contact us by clicking the button below.