Owner-Occupied Commercial Real Estate loans

To classify as owner-occupied, a property must have at least 51% of its usable space like office buildings or a warehouse operated by the owning business. Refinance, remodel or expand with flexible terms and tax advantages.1

Benefits:

  • 5-year, 10-year and 15-year loan options
  • Up to 80% loan-to-value ratio
  • Up to 25-year amortization
  • 25-year loan option and up to 90% loan-to-value with SBA financing
  • Variable and fixed rate options available

Refinancing options:

Refinancing your commercial real estate loan can often lower your monthly payment, increase your cash flow or modify your loan terms to fit your business. Contact our local experts to learn more.

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Common examples of owner-occupied real estate include:

Office buildings

For firms in the fields of law, accounting, and other professional services.

Medical practices

For healthcare providers, including medical labs, physicians and outpatient care.

Industrial warehouses

For activities related to manufacturing, production, fabrication and assembly.

Non-Owner-Occupied Commercial Real Estate Loans

Buy mixed-use, multi-family, multi-tenanted buildings.

Benefits:

  • 5-year, 10-year and 15-year loan options
  • Up to 25-year amortization
  • Competitive rates
  • No lump sum payment at the end of the loan period

Contact a banker

Get the flexibility you need with easy access to funds.

Competitive rates

U.S. Bank provides attractive fixed and variable interest rates ensuring cost-effective financing.

Tax advantages1

Depreciation and appreciation are federal income tax deductions that reflect the reduction in property value over time or the increase in value with proper maintenance.

Dedicated loan professionals

Partner with a team of dedicated professionals proficient in providing well-executed loan closings, refinancing options, loan administration and ongoing loan servicing.

FAQ: Your guide to owner- occupied and investment property loans

We can be flexible when it comes to qualification criteria. Contact a lending expert for more information.

Yes. Owner-occupied commercial real estate loans can often be used for property renovations or improvements, if your business continues to occupy at least 51% of the space.

Yes, you can use an owner-occupied commercial real estate loan to purchase a mixed-use property if your business occupies at least 51% of the property's space.

Looking for access to business funding opportunities?

Our Business Diversity Lending Program is a special purpose credit program under the Equal Credit Opportunity Act, designed to support small businesses from varied backgrounds.

Learn more

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Disclosures

  1. U.S. Bank and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

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Subject to credit approval and program guidelines. SBA loans are subject to SBA eligibility guidelines. U.S. Bank and/or third-party fees may apply. Certain restrictions apply to refinancing options and are subject to program terms.

Financing maximums and terms are determined by borrower qualifications and use of funds.

Business Diversity Lending Program: To be eligible for the BDLP, your business must be at least 51% owned and operated by one or more individuals who are women, people of color and/or veterans. Demographic information regarding gender, race and veteran status is required only to determine eligibility for this program. U.S. Bank does not discriminate on this or any other prohibited basis.

Eligible racial categories include American Indian or Alaskan Native, Asian, Black or African American, Hispanic/Latino, Native Hawaiian or other Pacific Islander and combined ethnic or racial groups.

Credit products offered by U.S. Bank National Association and are subject to normal credit approval and program guidelines. Some restrictions and fees may apply.