Commercial Real Estate · Marina del Rey, CA
Commercial Real Estate Loans in Marina del Rey — Multifamily, Office, Retail & More
A commercial loan in Marina del Rey finances 5+ unit multifamily, office, retail, industrial, or mixed-use property — sized on the property's income (DSCR ~1.25), from $500K to $25M. Save Financial (NMLS #377740), a local broker at 13763 Fiji Way, Suite EU2, matches your asset to the right lender — agency, CMBS, bank/bridge, or SBA. Call (310) 759-4757.
The Westside's commercial fabric — marina and Culver office, Venice retail, mixed-use along the corridors, and small apartment buildings everywhere — runs on financing that works very differently from a home loan. Commercial loans start at 5+ units (or any office, retail, industrial, or mixed-use property), size on the property's income (a DSCR around 1.25), and come in distinct lanes: agency for apartments, CMBS for large stabilized assets, banks and bridge for value-add, and SBA when you'll occupy the space yourself. As a broker, we match the asset to the right lane.
Looking for a Commercial Loan Near You in Marina del Rey?
Our Westside home office lets an owner or investor sit down with a licensed loan officer, run the property's DSCR, and identify which commercial lane fits — not a distant call center with one program.
Save Financial — Marina del Rey office
13763 Fiji Way, Suite EU2, Marina del Rey, CA 90292
Phone: (310) 759-4757
Hours: Monday–Friday 8:00 AM–5:00 PM, Saturday 10:00 AM–2:00 PM (Sunday closed) PT
The office is just off Fiji Way near the main channel of the marina, with convenient parking and quick access from Lincoln Boulevard and the 90 Marina Freeway. We serve Westside owners and investors from our Marina del Rey office across the neighborhoods below.
Areas We Serve Near Our Marina del Rey Office
Here is how commercial financing tends to fit for owners across the areas we cover from Marina del Rey:
- Marina del Rey: small and mid-size apartment buildings and mixed-use financed on income.
- Venice: retail and mixed-use commercial on the corridors.
- Playa del Rey: small multifamily and neighborhood retail.
- Playa Vista: office and mixed-use in the tech corridor.
- Santa Monica: office, retail, and larger apartment assets.
- Culver City: creative office and studio-adjacent commercial.
- West Los Angeles: multifamily and medical/professional office.
- Mar Vista: small apartment buildings and street retail.
- Westchester: industrial and office near LAX.
These are service areas of our Marina del Rey office, not separate offices.
How a Commercial Real Estate Loan Works
A commercial loan finances the income property a home loan can't touch: 5+ unit multifamily, plus office, retail, industrial, and mixed-use. (A 1–4 unit rental is a DSCR or investment loan, not commercial.) These lenders underwrite the building's income, not yours — the number that matters is DSCR, where 1.25 means the property throws off 25% more than the mortgage payment needs. Loan sizes span $500K to $25M.
Most California commercial programs cap LTV at 65–75% and use hybrid terms like 5/25, 7/25, or 10/30 — a balloon after 5, 7, or 10 years amortized over 25–30. On the Westside, that structure fits everything from a small apartment building to a Culver office asset. There are four main lanes, and choosing the right one is where the value is.
Going to occupy the space yourself? An SBA 504 or 7(a) can drop to 10% down (budget 60–120 days for the dual approval). Chasing a value-add play or a fast close on a Westside asset? A bridge loan can fund in 14–30 days. Our job as broker is to route the deal to the lane that fits. Commercial real estate loans are business-purpose financing for 5+ unit multifamily and commercial property (office, retail, industrial, mixed-use, hospitality). For 1–4 unit residential rentals, a DSCR or investment-property loan applies instead. All loans subject to underwriting, property income (DSCR) review, and approval. Save Financial, NMLS #377740, DRE #01875766, Equal Housing Opportunity.
Common Commercial Scenarios in Westside
- An investor buying a 12-unit Westside apartment building on an agency multifamily loan.
- A business owner purchasing their own office with SBA 504 at 10% down.
- A value-add buyer using a bridge loan to reposition a retail center, then refinancing.
- An investor financing a mixed-use property (retail below, apartments above).
- A larger stabilized office or industrial asset financed with CMBS.
Is a Commercial Loan Right for You?
- You're buying or refinancing 5+ unit multifamily or a commercial property (not 1–4 units).
- The property's income supports a DSCR around 1.25 or better.
- You can put down roughly 25–35% (or as little as 10% if you'll occupy it via SBA).
- You want a broker to compare agency, CMBS, bank/bridge, and SBA lanes.
The Four Commercial Lending Lanes
Most commercial deals fit one of these — we'll place yours where it prices and structures best:
| Loan lane | Property / use | Down payment or LTV | Best for |
|---|---|---|---|
| Agency (Fannie/Freddie) | 5+ unit multifamily | Up to ~75% LTV with strong DSCR | Hold-forever apartment investors |
| CMBS | $5M+ stabilized office, retail, industrial | 65–75% LTV, non-recourse | Large, stabilized commercial assets |
| Bank / bridge | Value-add or transitional property | Varies; closes in 14–30 days | Repositioning or a fast close |
| SBA 504 / 7(a) | Owner-user — you occupy the space | As little as 10% down | Business owners buying their own building |
Agency wins for hold-forever multifamily; CMBS for large stabilized commercial; bank/bridge for value-add and speed; SBA for owners occupying their own space.
Why Work With a Local Marina del Rey Mortgage Broker?
Commercial is relationship- and structure-driven — the same asset can price very differently across agency, CMBS, bank, bridge, and SBA sources, and the term (5/25 vs 10/30), recourse, and prepay change the deal. As a broker, we shop those lanes and structure to your hold. Our office is in Westside, so we know local apartment and office values.
Bring your rent roll or operating statements and we'll model it. Call the Marina del Rey office directly at (310) 759-4757. Commercial real estate loans are business-purpose financing for 5+ unit multifamily and commercial property (office, retail, industrial, mixed-use, hospitality). For 1–4 unit residential rentals, a DSCR or investment-property loan applies instead. All loans subject to underwriting, property income (DSCR) review, and approval. Save Financial, NMLS #377740, DRE #01875766, Equal Housing Opportunity.
How to Get a Commercial Loan with Save Financial
- Send the property type, units, and income (rent roll / operating statement). Start online or call (310) 759-4757.
- We calculate DSCR and LTV and identify the right lane — agency, CMBS, bank/bridge, or SBA.
- We shop lenders in that lane and present the loan amount, term, and DSCR requirement.
- We take the file through underwriting to close on your Westside property.
Serving Marina del Rey: Save Financial arranges these loans in Marina del Rey and across Westside Los Angeles from our Marina del Rey office. We are a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766), Equal Housing Opportunity, and shop multiple lenders for your best terms. This page is informational and not a commitment to lend; all loans are subject to credit approval, income and property review, and program availability. Call 310-759-4757 or apply online.