A commercial mortgage is a loan secured by commercial real estate — meaning property used for business purposes rather than as a personal residence. Unlike home mortgages, commercial mortgages are evaluated primarily on the income-producing potential of the property.
Commercial Mortgage vs. Residential Mortgage
- Commercial: secured by income-producing or business property
- Residential: secured by a personal home (1-4 units owner-occupied)
- Commercial: shorter terms (5-30 years), typically with balloon payments
- Residential: standard 15 or 30-year fully amortizing terms
- Commercial: underwritten on DSCR and property value, not just personal income
Common Types of Commercial Mortgages
- DSCR Loans — income-based qualification for investment properties
- SBA 504 / 7(a) — government-backed for owner-occupied commercial
- Hard Money — asset-based, short-term bridge financing
- Construction Loans — for building commercial property
- Stated Income — for self-employed borrowers
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