A commercial loan finances income-producing property like apartment buildings, retail centers, and office space, with approval built around the property’s performance and the strength of your deal.
Mountain Country Mortgage compares commercial lenders on your behalf, so Northern Arizona investors find the loan structure that fits their property.
A commercial loan finances real estate that is not primarily residential, including apartment buildings with five or more units, retail storefronts, office buildings, industrial properties, self-storage facilities, and mixed-use developments.
This is a business-purpose loan, structured differently than a residential mortgage. Terms, amortization, and rate structures vary widely, and approval weighs the property’s income, your financial position, and the strength of the deal itself.
Mountain Country Mortgage is a broker, not a lender. We work with a network of commercial lenders to find the structure that fits your specific property type and goals.
Growth in Northern Arizona’s small business, retail, and multifamily rental demand creates real commercial opportunity, and the region’s tourism economy keeps retail and mixed-use space in demand.
Some buyers are business owners ready to stop leasing and start owning the building they operate from. Others are investors expanding a multifamily or retail portfolio.
A small business owner in Prescott had leased the same retail space downtown for years. A commercial loan let them purchase the building outright, turning a monthly lease payment into equity in their own property.
| Requirement | Typical Range |
|---|---|
| Loan Amount | Typically starts at $500,000 and can range into the tens of millions. |
| Down Payment or Equity | Typically 20% to 35 percent. |
| Debt Service Coverage Ratio | Typically 1.20 or higher. |
| Underwriting Factors | Property income, net operating income, and your financial statements. |
| Guarantees | Personal or corporate guarantees may be required depending on the program. |
| Property Assessments | Environmental assessments and inspections are standard. |
Tell us about the property and your investment goals.
We identify commercial lenders suited to your property type.
The property is underwritten based on income, value, and market conditions.
We walk through the structure, rate, and repayment terms with you.
Once terms are accepted, the loan moves through processing to closing.
A couple of quick stops before you go further, so you walk into your first conversation with a loan officer already prepared.
A plain-English walkthrough of the whole process, from checking your credit to closing day.
See every loan program Mountain Country Mortgage offers, from first-time buyer options to investor financing.
Apartment buildings with five or more units, retail, office, warehouse, industrial, self-storage, and mixed-use properties.
Each property type carries its own specific underwriting criteria, so your loan officer will confirm what applies to your deal.
Residential mortgages rely on your personal income and credit. Commercial loans rely on the property.
Approval weighs the property’s income, its value, and the overall strength of the investment. The documentation and loan structure are both different from a home loan.
Often 5, 7, or 10 years with a balloon payment, though some programs offer 20 to 30-year fully amortizing terms.
Your loan officer will walk you through the options that fit your situation.
Yes.
Most commercial borrowers use LLCs or other entity structures. Personal guarantees from the principals are often still required.
Primarily the loan-to-value ratio and the debt service coverage ratio.
The property’s net operating income relative to the proposed debt payments is central to how much financing is available.
Commercial finances larger income properties. DSCR and hard money typically finance smaller residential-scale investments.
DSCR and hard-money loans usually apply to 1-4 unit or small multifamily properties. Commercial loans cover larger apartment buildings, retail, office, and industrial space, with a different underwriting process entirely.
Yes.
Mixed-use and multi-tenant buildings across the region qualify under the same commercial framework as a larger metro property, as long as the numbers support the deal.