What is an Owner-Occupied CRE Loan?

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Written By Nabil Istafanous

Owner-occupied commercial real estate loans are financing options for businesses that want to purchase, refinance, or improve commercial property that they will primarily occupy and use for their operations. These loans vary in duration – anywhere from 10-30 years and the amount available to borrow will be based on the value of the property. Conventional lenders will require an appraisal of the property and may require an environmental study of the property.

Types of Eligible Properties

  • Office buildings

  • Industrial/warehouse facilities

  • Retail spaces

  • Manufacturing facilities

  • Medical offices

  • Special-use properties (e.g., self-storage, assisted living facilities, daycares)

Nabil Istafanous
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