Commercial
Gas Station/C-Store Loan in Sacramento, CA
What is a Gas Station/C-Store Loan? Gas Station/C-Store Loan is a specialized mortgage solution offered by CMRE for real estate financing. This program provides tailored terms, flexible underwriting, and expedited closing timelines to meet the unique needs of property buyers and investors in Sacramento, CA.
Custom Mortgage arranges Gas Station/C-Store Loan financing in Sacramento, CA and across Sacramento County, including Midtown and East Sacramento. Sacramento County's 2026 FHFA conforming loan limit is $832,750 for a one-unit home and $1,601,750 for four units. Census ACS 2024 data puts the median owner-occupied home value in Sacramento County at $534,200, $298,550 below that one-unit limit.
Median household income there is $92,175 and 59% of homes are owner-occupied (Census ACS 2024).
Key Facts About Gas Station/C-Store Loan
CMRE Gas Station/C-Store Loan ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Gas Station/C-Store Loan.
CMRE Gas Station/C-Store Loan closes in LLC, corporation, or trust names.
CMRE commercial lending covers office, retail, industrial, and multifamily.
CMRE Gas Station/C-Store Loan ranges $250K to $50M.
CMRE commercial bank statement programs for Gas Station/C-Store Loan.
CMRE Gas Station/C-Store Loan closes in LLC/Corp/Trust.
CMRE commercial covers office, retail, industrial, multifamily.
Program Benefits
Competitive interest rates to maximize your profitability.
Loan amounts tailored to meet the unique needs of gas station and c-store businesses.
Flexible loan terms designed to fit your cash flow and long-term goals.
Streamlined application and approval process for faster access to capital.
Expert guidance from experienced commercial real estate loan specialists.
Refinance options to lower your monthly payments or consolidate existing debt.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$250K - $5M+
Amortization Options
Eligible Properties
- Gas Stations
- Convenience Stores
- Truck Stops
- Combination Gas Station/C-Store
Program Requirements
Income Documentation
- •Demonstrated consistent revenue from gas and convenience store operations.
- •Detailed financial statements, including profit and loss statements and balance sheets.
- •Tax returns for the business and all principals for the past two to three years.
- •Debt Service Coverage Ratio (DSCR) that meets lender requirements.
Asset Verification
- •Appraisal of the gas station/c-store property by a qualified appraiser.
- •Clear title to the property or purchase agreement for acquisition.
- •Documentation of any existing equipment or inventory.
- •Business plan outlining your operations, marketing strategy, and financial projections.
Insurance & Title
- •Property insurance to cover the replacement cost of the gas station/c-store.
- •Liability insurance to protect against potential claims.
- •Business interruption insurance to cover lost income in the event of a covered loss.
- •Environmental liability insurance to cover potential contamination risks.
Property Requirements
- •Minimum FICO score of 640.
- •Satisfactory credit history with no major derogatory marks.
- •Personal and business credit reports for all principals.
- •Demonstrated ability to manage debt responsibly.
Gas Station/C-Store Loan in Sacramento: The Complete Guide
What Is Gas Station/C-Store Loan?
Gas Station/C-Store loans are specialized commercial real estate loans designed to finance the acquisition, refinancing, or improvement of gas stations and convenience stores. These loans often require a thorough understanding of the industry, including environmental regulations, fuel sales, and inventory management. Lenders will assess the business's profitability, cash flow, and the borrower's experience in the industry. Understanding the nuances of these loans is crucial for securing favorable terms and maximizing your investment.
Qualifying for Gas Station/C-Store Loan
- •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.
Gas Station/C-Store Loan 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 Gas Station/C-Store Loan 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.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Sacramento County at a glance
- Conforming loan limit (1 unit)
- $832,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,601,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $534,200
- Source: Census ACS 5-year, 2024
- Median household income
- $92,175
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 59%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 5.8
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: SACRAMENTO
1-Unit (SFR)
$832,750
2-Unit (Duplex)
$1,066,250
3-Unit (Triplex)
$1,288,800
4-Unit (Fourplex)
$1,601,750
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
Gas Station/C-Store Loan in Sacramento, CA
Sacramento mortgage rates and programs. CMRE serves the greater Sacramento metro area.Custom Mortgage & Real Estate specializes in providing high-fidelity Gas Station/C-Store Loan solutions tailored to the unique economic landscape of Sacramento and the surrounding Sacramento County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireSacramento metropolitan area.
Service Areas & Neighborhoods
Our Sacramento Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Application 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
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
Get Your Numbers
Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About Gas Station/C-Store Loan in Sacramento
The latest available national 30-year fixed observation was 7.18% (Freddie Mac PMMS, week of 11/5/2026). Gas Station/C-Store Loan rates in Sacramento vary by loan amount, LTV, and credit profile — CMRE can issue a pre-approval within 24 hours of a complete application.
Timelines depend on the program, appraisal, and title: conventional purchases typically close in 14–21 days, and hard money loans can fund in as few as 7 business days. Pre-approvals are issued within 24 hours of a complete application.
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Sacramento and throughout Sacramento County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Yes. CMRE arranges SBA 7(a), 504, and Express financing for Sacramento County business owners purchasing or refinancing commercial real estate.
See all Gas Station/C-Store Loan questions and program details
Gas Station/C-Store Loan by Location
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Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
TESTIMONIALS
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."
