Commercial
Commercial Construction in Orlando, FL
Looking for the best Commercial Construction in Orlando, FL? Our local team specializes in helping Orlando residents secure competitive financing. Whether you're buying in Downtown or Winter Park, we have the expertise to guide you.
Key Facts About Commercial Construction
CMRE commercial loans finance office, retail, industrial, and multifamily properties.
Commercial loans from CMRE range from $500,000 to $50 million.
CMRE commercial programs offer 5, 7, and 10-year fixed-rate terms.
Commercial loans at CMRE require a minimum DSCR of 1.25.
CMRE commercial lending covers acquisition, refinance, and construction.
CMRE Commercial Construction ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Commercial Construction.
CMRE Commercial Construction closes in LLC, corporation, or trust names.
Program Benefits
Competitive interest rates starting at 8.5% for qualified borrowers.
Financing available for a wide range of commercial construction projects.
Flexible loan terms to match your project's timeline and financial goals.
Expert guidance from experienced commercial loan specialists.
Streamlined application and approval process for faster funding.
Build equity and expand your commercial real estate portfolio.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$250K - $5M
Amortization Options
Eligible Properties
- Retail spaces
- Office buildings
- Industrial properties
- Multifamily developments
Program Requirements
Income Documentation
- •Demonstrated ability to repay the loan based on projected revenue or existing business income.
- •Comprehensive business plan outlining projected income and expenses.
- •Financial statements for the business or individual borrower.
- •Detailed budget for the construction project.
Asset Verification
- •Sufficient equity in the project or other assets to serve as collateral.
- •Verification of liquid assets to cover any cost overruns or unexpected expenses.
- •Appraisal of the land or existing property.
- •Clear title to the property.
Insurance & Title
- •Builder's risk insurance to cover the project during construction.
- •General liability insurance to protect against accidents or injuries.
- •Property insurance upon completion of the project.
- •Flood insurance, if applicable.
Property Requirements
- •Minimum FICO score of 640.
- •Satisfactory credit history with no recent bankruptcies or foreclosures.
- •Demonstrated history of responsible financial management.
- •Detailed explanation of any past credit issues.
Commercial Construction in Orlando: The Complete Guide
What Is Commercial Construction?
Commercial construction loans are specialized financing options designed to fund the development of commercial properties. Unlike residential mortgages, these loans often involve more complex underwriting and require a thorough understanding of the project's feasibility and potential risks. Key factors considered include the borrower's experience, the project's business plan, and the market demand for the completed property.
Qualifying for Commercial Construction
- •Underwritten on property income (DSCR) and borrower financial strength.
- •Typical DSCR requirement: 1.20x-1.25x (NOI / debt service).
- •2+ years business experience, adequate liquidity, acceptable credit.
- •CMRE commercial bank statement programs: qualify with 12-24 months statements instead of tax returns.
- •SBA programs (7(a), 504, Express) available for owner-occupied commercial with as low as 10% down.
Commercial Construction vs. Residential Lending
- •Commercial: underwritten on property cash flow. Residential: on borrower income.
- •Commercial terms: 5-10 year terms with 25-30 year amortization.
- •Commercial allows LLC/Corp entity vesting for asset protection.
- •CMRE offers both — our team determines the best structure for your situation.
Apply for Commercial Construction with CMRE
- •Step 1: Submit property details — type, location, price, NOI, business plan.
- •Step 2: CMRE provides preliminary terms within 48 hours.
- •Step 3: Application with financial statements, rent rolls, entity docs.
- •Step 4: Appraisal and environmental assessment.
- •Step 5: Underwriting in 2-4 weeks. Closing in 30-60 days.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Commercial Construction in Orlando, FL
Helping Orlando families finance their dream homes. Low down payment options and competitive rates. Custom Mortgage & Real Estate specializes in providing high-fidelity Commercial Construction solutions tailored to the unique economic landscape of Orlando and the surrounding Orange County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireOrlando metropolitan area.
Service Areas & Neighborhoods
Our Orlando Presence
Local Knowledge. Global Rates.
20 N Orange Ave
Orlando, FL 32801
Direct Line
877-976-5669Common Questions About Commercial Construction in Orlando
What are current Commercial Construction rates in Orlando, FL?
Commercial Construction rates in Orlando depend on loan amount, credit profile, and property type. CMRE publishes updated Orlando rate ranges daily and provides locked quotes within 24 hours of application.
How long does Commercial Construction closing take in Orlando?
CMRE typically closes Commercial Construction loans in Orlando within 21-30 days from application. Pre-approval takes 24 hours, and our FL-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What commercial property types qualify in Orlando?
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Orlando and throughout Orange County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Does CMRE offer SBA loans in Orlando?
Yes. CMRE is an SBA Preferred Lender in Orlando. We offer SBA 7(a), 504, and Express loans for Orange County business owners purchasing or refinancing commercial real estate.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
Commercial construction loan terms typically range from 12 to 36 months, depending on the complexity and scope of the project. The loan is designed to cover the construction phase, after which it may be refinanced into a permanent mortgage.
Fees can include origination fees, appraisal fees, inspection fees, legal fees, and title insurance fees. These fees can vary depending on the lender and the complexity of the transaction. It is important to discuss all potential fees with your loan officer upfront.
While commercial construction loans are primarily designed for new construction projects, some lenders may offer them for substantial renovation or expansion projects. In these cases, the loan proceeds can be used to refinance the existing debt and fund the construction costs.
CMRE Commercial Construction starts at $250,000. SBA may start lower. Max depends on property type — up to $50M.
Yes. Entity vesting is standard for commercial. Personal guarantee typically required.
Yes. CMRE commercial bank statement programs use 12-24 months statements instead of tax returns.
Typically 5-10 year terms with 25-30 year amortization. CMRE structures terms based on cash flow and exit strategy.
30-60 days depending on complexity. SBA: 45-90 days.
Commercial Construction by Location
Get local rates, loan limits, and market data for Commercial Construction in your area.
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Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
