Commercial Mortgage Solutions for Your Business
Finance office buildings, retail spaces, warehouses, and more with competitive rates and expert guidance
Property Types We Finance
From office buildings to industrial warehouses, we provide financing for all commercial property types
Commercial vs. Residential Mortgages
Understanding the key differences
Based on property income and business financials
20-30% down payment typically required
5-25 year loan terms with amortization
Higher interest rates (6-8% range)
Greater income potential and tax benefits
Requires business financials and DSCR analysis
Based on personal income and credit
5-20% down payment options available
15-30 year loan terms standard
Lower interest rates (4-6% range)
Owner-occupied with personal use
Simpler application and approval process
What Lenders Look For
Key requirements for commercial mortgage approval
Minimum 680-700 credit score required, with higher scores receiving better rates
Typically 20-30% of purchase price, though SBA loans may require less
Debt Service Coverage Ratio of 1.25x or higher to ensure adequate cash flow
2-3 years of tax returns, profit & loss statements, and balance sheets
Professional valuation to determine market value and loan-to-value ratio
Detailed plan showing how the property will generate income and ROI
Flexible Financing Options
Choose the loan type that fits your investment strategy
Benefits of Commercial Real Estate Investment
Why savvy investors choose commercial properties
The Commercial Mortgage Process
Your journey from application to ownership
Client Success Stories
Hear from business owners who've grown with Sutton
"Sutton helped us secure financing for our first shopping plaza. Their expertise in commercial mortgages made the process smooth and straightforward."
Michael Chen
Chen Retail Group
"We've financed three office buildings through Sutton. Their competitive rates and understanding of commercial real estate sets them apart."
Sarah Thompson
Thompson Properties Inc.
"As a warehouse investor, finding the right financing is crucial. Sutton's commercial mortgage team delivered exceptional service and terms."
David Martinez
Martinez Industrial Holdings
"Transitioning from residential to commercial investing seemed daunting, but Sutton guided us every step of the way. Now we own a 50-unit apartment complex."
Jennifer Wu
Grandview Apartments
Investment ROI Calculator
Estimate your potential returns on commercial property investment
Frequently Asked Questions
Get answers to common commercial mortgage questions
Ready to Grow Your Commercial Portfolio?
Our commercial mortgage experts are standing by to help you secure the financing you need for your next investment property.
Questions? Call us at 1-800-555-0123