Commercial
Owner Occupied Commercial Real Estate in Washington, DC
Secure your Owner Occupied Commercial Real Estate in Washington with a lender who understands the local landscape. We serve all of District of Columbia, including Capitol Hill and Dupont Circle, offering fast approvals and personalized service.
Key Facts About Owner Occupied Commercial Real Estate
CMRE Owner Occupied Commercial Real Estate ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Owner Occupied Commercial Real Estate.
CMRE Owner Occupied Commercial Real Estate closes in LLC, corporation, or trust names.
CMRE commercial lending covers office, retail, industrial, and multifamily.
CMRE Owner Occupied Commercial Real Estate ranges $250K to $50M.
CMRE commercial bank statement programs for Owner Occupied Commercial Real Estate.
CMRE Owner Occupied Commercial Real Estate closes in LLC/Corp/Trust.
CMRE commercial covers office, retail, industrial, multifamily.
Program Benefits
Competitive rates starting at 8.5% to help you manage your cash flow.
Build equity in a valuable asset and secure your business's future.
Take advantage of potential tax benefits associated with commercial property ownership.
Customize your property to perfectly suit your business needs.
Fixed and adjustable-rate options available to match your financial strategy.
Work with experienced commercial real estate loan specialists who understand your business.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$100K - $5M
Amortization Options
Eligible Properties
- Office Buildings
- Retail Spaces
- Warehouses
- Light Industrial
- Mixed-Use Properties
Program Requirements
Income Documentation
- •Consistent business revenue supported by tax returns and financial statements.
- •Demonstrated ability to repay the loan based on cash flow analysis.
- •Personal income verification through W-2s or tax returns if applicable.
- •Stable business operation with a history of profitability.
Asset Verification
- •Sufficient liquid assets to cover down payment and closing costs.
- •Existing business assets that can be used as collateral if needed.
- •Personal assets demonstrating overall financial strength.
- •Clear documentation of asset ownership and valuation.
Insurance & Title
- •Commercial property insurance to protect against damage and liability.
- •Business interruption insurance to cover lost income during unforeseen events.
- •Liability insurance to protect against potential lawsuits.
- •Flood insurance if the property is located in a designated flood zone.
Property Requirements
- •Minimum FICO score of 640 or higher.
- •Strong business credit history with no recent bankruptcies or major delinquencies.
- •Personal credit history demonstrating responsible financial management.
- •Low debt-to-income ratio across both personal and business finances.
Owner Occupied Commercial Real Estate in Washington: The Complete Guide
What Is Owner Occupied Commercial Real Estate?
Owner occupied commercial real estate loans are specifically designed for business owners who intend to use the purchased property for their business operations. Unlike investment property loans, these loans often offer more favorable terms and rates because the owner's business success is directly tied to the property. This type of financing allows businesses to control their real estate destiny, build equity, and potentially benefit from tax advantages.
Qualifying for Owner Occupied Commercial Real Estate
- •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.
Owner Occupied Commercial Real Estate 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 Owner Occupied Commercial Real Estate 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 →Owner Occupied Commercial Real Estate in Washington, DC
Washington DC mortgage lending. Jumbo and conventional programs for the DMV area. Custom Mortgage & Real Estate specializes in providing high-fidelity Owner Occupied Commercial Real Estate solutions tailored to the unique economic landscape of Washington and the surrounding District of Columbia.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireWashington metropolitan area.
Service Areas & Neighborhoods
Our Washington Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Common Questions About Owner Occupied Commercial Real Estate in Washington
What are current Owner Occupied Commercial Real Estate rates in Washington, DC?
Owner Occupied Commercial Real Estate rates in Washington depend on loan amount, credit profile, and property type. CMRE publishes updated Washington rate ranges daily and provides locked quotes within 24 hours of application.
How long does Owner Occupied Commercial Real Estate closing take in Washington?
CMRE typically closes Owner Occupied Commercial Real Estate loans in Washington within 21-30 days from application. Pre-approval takes 24 hours, and our DC-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What commercial property types qualify in Washington?
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Washington and throughout District of Columbia. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Does CMRE offer SBA loans in Washington?
Yes. CMRE is an SBA Preferred Lender in Washington. We offer SBA 7(a), 504, and Express loans for District of Columbia 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
The typical down payment ranges from 20% to 25% of the property's purchase price, but it can vary depending on the lender, the borrower's creditworthiness, and the specific property.
Yes, refinancing is possible. You can refinance to obtain a lower interest rate, change the loan term, or access equity for business improvements or other investments.
Eligible properties include office buildings, retail spaces, warehouses, light industrial facilities, and mixed-use properties where the majority of the space is used for your business operations.
Your personal credit score is a significant factor in the loan approval process. A higher credit score generally leads to more favorable loan terms and interest rates. CMRE requires a minimum FICO of 640.
CMRE Owner Occupied Commercial Real Estate 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.
Owner Occupied Commercial Real Estate by Location
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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."
