Commercial
SBA 504 in Brookhaven, GA
What is a SBA 504? SBA 504 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 Brookhaven, GA.
Custom Mortgage arranges SBA 504 financing in Brookhaven, GA and across DeKalb County. DeKalb 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 DeKalb County at $357,800, $474,950 below that one-unit limit.
Median household income there is $80,644 and 59% of homes are owner-occupied (Census ACS 2024).
Key Facts About SBA 504
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 SBA 504 ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for SBA 504.
CMRE SBA 504 closes in LLC, corporation, or trust names.
Program Benefits
Long-term, fixed-rate financing protects against fluctuating interest rates.
Lower down payment requirements compared to conventional commercial loans.
Financing available for major fixed assets, including land, buildings, and equipment.
Helps businesses grow and create jobs within their communities.
Rates provide predictable and manageable payments.
Can be used in conjunction with other financing options to maximize capital.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
N/A
Loan Amount Range
Varies depending on project and borrower qualifications
Amortization Options
Eligible Properties
- Office Buildings
- Manufacturing Facilities
- Warehouses
- Retail Spaces
Program Requirements
Income Documentation
- •Demonstrated ability to repay the loan through business revenue.
- •Stable and consistent revenue stream over the past two years.
- •Detailed financial projections showing future profitability.
Asset Verification
- •Sufficient assets to secure the loan, including the financed property.
- •A strong balance sheet showing adequate liquidity.
- •Personal or corporate guarantees may be required.
Insurance & Title
- •Adequate property insurance to cover the replacement cost of the financed asset.
- •Business liability insurance to protect against potential claims.
- •Flood insurance may be required depending on the property location.
Property Requirements
- •Minimum FICO score of 640.
- •Good credit history with no recent bankruptcies or foreclosures.
- •Demonstrated responsible credit management.
SBA 504 in Brookhaven: The Complete Guide
What Is SBA 504?
The SBA 504 loan program is designed to help small businesses acquire fixed assets, promoting growth and job creation. It involves a partnership between a Certified Development Company (CDC), a lending institution, and the borrower. The loan structure typically includes a portion financed by the CDC with a 40% share, a bank or lending institution covering 50%, and the borrower contributing 10-15% of the project cost.
Qualifying for SBA 504
- •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.
SBA 504 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 SBA 504 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.
SBA 504 Comparison: Commercial vs SBA vs Residential
- •Commercial loans are underwritten on property net operating income (NOI) with typical DSCR requirements of 1.20x-1.25x. SBA loans offer lower down payments (10%) for owner-occupied commercial but require agency approval adding 15-30 days.
- •CMRE commercial bank statement programs allow self-employed borrowers to qualify using 12-24 months of business bank statements instead of tax returns and financial statements, significantly simplifying the documentation process.
- •For mixed-use properties (commercial + residential), CMRE evaluates which program structure provides the best terms. Properties with 51%+ commercial use qualify for commercial lending; properties with 51%+ residential may qualify for more favorable residential terms.
- •CMRE structures commercial loans with flexible terms: 5, 7, or 10-year fixed periods with 25-30 year amortization, interest-only options for cash flow optimization, and prepayment structures tailored to your business plan.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in DeKalb County
$1,683/mo
Based on $310,505 median · 20% down · P&I only
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in DeKalb County
$2,173/mo
Based on $310,505 median · 20% down · P&I only
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).
DeKalb 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
- $357,800
- Source: Census ACS 5-year, 2024
- Median household income
- $80,644
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 59%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 4.4
- Source: Census ACS 5-year (computed), 2024
Market Snapshot: DeKalb County
Source: Redfin · 2026-01-31Median Sale Price
$310,505
Median List Price
$349,250
Price / Sq Ft
$172.72
Days on Market
76
Active Listings
2,686
Homes Sold
460
Sale-to-List Ratio
96.9%
2026 Conforming Loan Limits: DEKALB
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.
SBA 504 in Brookhaven, GA
DeKalb County is generating the most contrarian data point in our Georgia coverage: prices are up 1.6% year-over-year to a median of $310,505, while nearly every surrounding Atlanta-area county is flat or negative. That positive momentum reflects genuine value recognition — DeKalb is the most affordable county with direct MARTA access, which matters increasingly to transit-oriented buyers and investors. With 2,686 active listings and a 76-day median days on market, the market has reasonable depth without oversupply.
The renovation investment case is strong in DeKalb. Neighborhoods like Decatur, Tucker, and Stone Mountain have significant housing stock from the 1960s-1980s that is being systematically upgraded by owner-occupants and investors alike. FHA 203k renovation loans are among the highest-volume products we originate in DeKalb — the program allows buyers to finance both acquisition and renovation costs in a single loan, which is structurally well-suited to the county's older inventory profile.
DeKalb County's buyer mix includes young professionals priced out of Fulton County's core, first-time buyers attracted by relative affordability, and investors executing BRRRR strategies on older inventory. The county's significant higher-education presence — Emory University, Georgia State University Perimeter College, and Agnes Scott College — generates a steady pipeline of faculty and administrative employee buyers. FHA and DPA loan programs are proportionally more active here than in neighboring Cobb or Fulton.
Use FHA 203k to finance acquisition and renovation in one close — DeKalb's older housing stock and relative affordability make it one of the strongest renovation lending markets in metro Atlanta.
Service Areas & Neighborhoods
Our Brookhaven Presence
Local Knowledge. Global Rates.
3344 Peachtree Rd
Atlanta, GA 30326
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.
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Quote Wizard
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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 SBA 504 in Brookhaven
The latest available national 30-year fixed observation was 7.18% (Freddie Mac PMMS, week of 11/5/2026). SBA 504 rates in Brookhaven 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. The DeKalb County market has seen home prices rise 1.6% year-over-year — having a fully underwritten approval before you write an offer is critical in this competitive environment.
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Brookhaven and throughout DeKalb 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 DeKalb County business owners purchasing or refinancing commercial real estate.
See all SBA 504 questions and program details
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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."
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