California Commercial Real Estate Loans
California’s commercial real estate market is the largest in the country by transaction volume — and one of the most complex to finance. We originate commercial real estate loans for California investors across the full property spectrum: 5+ unit multi-family, mixed-use, office, retail, industrial, and self-storage.
Commercial real estate loans qualify on the property’s cash flow, not personal income. No tax returns required.
We are a nationwide private commercial lender — commercial loans are available in all 50 states and are not subject to the state licensing restrictions that apply to our residential mortgage products. Whether your deal is in Los Angeles, the Bay Area, the Inland Empire, or Sacramento, we can quote and close.
Get Pre-Qualified for a Commercial Loan Talk to a Commercial Specialist — (833) 350-9185California Commercial Markets We Serve
Los Angeles Basin The LA metro is the top commercial real estate market in the western US. Demand from multi-family investors, mixed-use developers, and industrial users (logistics, last-mile) is driven by population density and limited supply. We finance apartment buildings, strip centers, flex industrial, and mixed-use projects across LA County, the San Fernando Valley, Long Beach, and the South Bay.
San Francisco Bay Area The Bay Area’s commercial market is defined by its scarcity and price. Office correction has created opportunities for repositioning plays; multi-family and mixed-use in the East Bay and South Bay remain supply-constrained. We work with investors in San Jose, Oakland, Berkeley, and the Peninsula on apartment buildings, small commercial blocks, and mixed-use acquisitions.
San Diego San Diego’s commercial market is driven by biotech, defense, and military-adjacent industries in the north county. Multi-family demand is strong throughout the county given limited rental inventory. Industrial and flex space in Otay Mesa and Kearny Mesa are active markets. We finance across all San Diego submarkets.
Inland Empire The Inland Empire (Riverside and San Bernardino counties) is the national center for logistics and warehouse distribution. Industrial vacancy is low; rent growth has been among the strongest in the country. Multi-family demand has grown as residents priced out of coastal markets relocate inland. We originate commercial loans across Riverside, San Bernardino, Ontario, Fontana, and surrounding cities.
Property Types We Finance in California
| Property Type | Min Loan | Typical LTV | Notes |
|---|---|---|---|
| Multi-family (5+ units) | $500K | 70–75% | Apartment buildings, garden-style, mixed residential |
| Mixed-use | $500K | 65–75% | Retail/residential combos; commercial first floor + apartments |
| Office | $750K | 65–70% | Medical, professional, flex-office |
| Retail | $500K | 65–70% | Strip centers, NNN single-tenant, urban retail |
| Industrial / warehouse | $750K | 65–75% | Light industrial, flex, logistics, last-mile |
| Self-storage | $1M | 65–70% | Existing stabilized facilities |
Typical Loan Terms
| Feature | Range |
|---|---|
| Loan amounts | $500,000 – $10,000,000+ |
| Term | 5, 7, or 10-year fixed with 25–30 year amortization |
| LTV | 65–75% depending on property type |
| DSCR minimum | 1.20–1.30 |
| Close time | 45–75 days |
| Income docs | Not required — property cash flow qualifies |
| Vesting | LLC preferred; single-asset SPV standard |
| Reserves | 6–12 months operating + capex |
Frequently Asked Questions
Related Programs
- Commercial Loans (Nationwide) — Full program overview, all 50 states
- California DSCR Loans — 1–4 unit residential investment properties
- California Bank Statement Loans — Self-employed borrower residential program
- California Mortgage Programs — All products available in California
Get Pre-Qualified for a Commercial Loan Talk to a Commercial Specialist — (833) 350-9185
1st Nationwide Mortgage, NMLS 1281. Commercial real estate loans subject to property underwriting, sponsor qualification, and lender approval. Terms, LTV, and DSCR minimums vary by property type and loan amount. Not all applicants or properties will qualify. Commercial loans are available in all 50 states and are not subject to residential NMLS licensing restrictions.
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Talk to a licensed loan officer about your options — no obligation.