We can be flexible when it comes to qualification criteria. Contact a lending expert for more information.
Owner-Occupied Commercial Real Estate loans
To classify as owner-occupied, a property must have at least 51% of its usable space like office buildings or a warehouse operated by the owning business. Refinance, remodel or expand with flexible terms and tax advantages.1
Benefits:
- 5-year, 10-year and 15-year loan options
- Up to 80% loan-to-value ratio
- Up to 25-year amortization
- 25-year loan option and up to 90% loan-to-value with SBA financing
- Variable and fixed rate options available
Refinancing options:
Refinancing your commercial real estate loan can often lower your monthly payment, increase your cash flow or modify your loan terms to fit your business. Contact our local experts to learn more.
Common examples of owner-occupied real estate include:
Office buildings
For firms in the fields of law, accounting, and other professional services.
Medical practices
For healthcare providers, including medical labs, physicians and outpatient care.
Industrial warehouses
For activities related to manufacturing, production, fabrication and assembly.


Non-Owner-Occupied Commercial Real Estate Loans
Buy mixed-use, multi-family, multi-tenanted buildings.
Benefits:
- 5-year, 10-year and 15-year loan options
- Up to 25-year amortization
- Competitive rates
- No lump sum payment at the end of the loan period
Get the flexibility you need with easy access to funds.
Competitive rates
U.S. Bank provides attractive fixed and variable interest rates ensuring cost-effective financing.
Tax advantages1
Depreciation and appreciation are federal income tax deductions that reflect the reduction in property value over time or the increase in value with proper maintenance.
Dedicated loan professionals
Partner with a team of dedicated professionals proficient in providing well-executed loan closings, refinancing options, loan administration and ongoing loan servicing.
FAQ: Your guide to owner- occupied and investment property loans
Is your business proudly diverse-owned?
Our Business Diversity Lending Program provides funding to diverse businesses with modified credit requirements for potentially easier approvals and favorable rates. See if you qualify.