You’re likely eligible with a cash-flowing property (adequate DSCR), 20–35% down, solid credit, and relevant experience. Property types include office, retail, industrial, multifamily (5+ units), and mixed-use.
Property and borrower
Lenders weigh the property’s income, location and condition, and your track record. Multifamily 5+ units, office, retail, industrial, and mixed-use are common. Stronger cash flow and experience widen eligibility and improve terms.
Loan structures
Options range from bank/portfolio commercial loans to SBA (owner-occupied) and DSCR-style commercial financing. We match the structure to your property and goals.
Frequently asked questions
Is a 5-unit building commercial?
Yes — residential financing generally covers 1–4 units; 5+ units is commercial/multifamily.
Do I need experience?
It helps, especially for larger deals, but newer investors can qualify with strong cash flow and down payment.
What property types qualify?
Office, retail, industrial, multifamily (5+), and mixed-use are all financeable. We’ll confirm your specific property.
Save Financial is a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766). Figures are illustrative for 2026 and not an offer of credit.