Commercial loansfor investorsand owners.
Mortgage Experts arranges commercial real estate financing for investors and business owners nationwide. Our Commercial Loan Specialist, Dale Gambrell, matches your property and your plan with the right lender, from a first mixed-use building to a growing multifamily portfolio.
Who Commercial works best for.
A strong fit if
- You are buying or refinancing multifamily (5+ units), mixed-use or commercial property
- You want to pull equity out of a commercial property to grow
- You are an investor with properties in more than one state
- You want one point of contact who shops lenders for you
Compare options if
- The property is 1 to 4 residential units. Look at DSCR or a conventional investor loan
- You will live in the property. Residential programs fit better
How commercial financing works.
Commercial loans are priced deal by deal. These are the pieces every lender looks at.
| Property types | Multifamily of 5 or more units, mixed-use, and other commercial property, depending on lender. |
|---|---|
| Loan purposes | Purchase, rate and term refinance, and cash-out refinance. |
| How deals are sized | Lenders look at the property's income, its value, and the borrower's experience and finances. |
| Where | Nationwide. |
| What to have ready | Rent roll, operating statements, purchase contract or current loan statement, and a summary of your real estate experience. |
Commercial questions we hear every week.
What kinds of commercial properties do you finance?
Multifamily buildings of 5 or more units, mixed-use buildings, and other commercial property, depending on the lender. Tell Dale about the property and he will map the options.
Do you lend outside Maryland, DC and Virginia?
Yes. Commercial and DSCR loans are available nationwide.
What do I need to get started?
The property address, a rent roll and operating statements if it is income producing, the purchase contract or current loan statement, and a short summary of your real estate experience.
Is a 4 unit building commercial?
No. Properties with 1 to 4 units are residential. They can be financed with DSCR or conventional investor loans, which often price better.
Compare other options.
DSCR Investor Loans
Qualify a rental on its rent instead of your tax returns. Nationwide.
ExploreHigher price pointsJumbo Loans
Financing above the 2026 conforming limit of $1,249,125 in the DMV.
ExploreRefinanceRefinance & Cash-Out
Lower your rate, drop FHA insurance, shorten your term or take cash out.
ExploreConventionalConventional Loans
3% down for first-time buyers, and mortgage insurance that comes off at 20% equity.
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