Owner-occupied vs. investment property
Owner-occupied commercial property financing is for real estate your business occupies and operates from. SBA 504 is a common route.
Investment property financing (DSCR, multifamily, commercial investment) is for property you rent out to others for income.
The distinction matters because qualification, terms, and programs differ — and using the wrong one can disqualify you.
When the two overlap
If your business occupies most of a property but rents out part, the structure depends on the occupancy split — partners set thresholds.
If you're buying a business that comes with real estate, you may need acquisition financing plus owner-occupied property financing together.
Our guided intake includes a 'both' option precisely for these situations, so we can coordinate across audiences.
Sequencing the financing
If you're buying the business and the real estate together, we often sequence the acquisition financing and the property financing so they close in coordination.
If you already own the business and want to buy the building you operate from, owner-occupied financing is the path — and may free up cash versus continuing to rent.
If you own investment property separately from your business, keep those requests distinct so each is underwritten for its true purpose.
Why routing matters
Mixing audiences on one request can confuse underwriting. Our coordinated intake keeps business and investor requests appropriately separated while still connected.
This avoids duplicate contacts and duplicate opportunities, and ensures each request reaches partners suited to its purpose.
The takeaway
If your business and your real estate are intertwined, use the 'both' path in guided intake. We'll coordinate owner-occupied and investment financing so each is underwritten correctly — and sequenced to close together when needed.