Commercial Real Estate Loans — OptionOne
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Commercial Real Estate
Direct Institutional Lender

Commercial Financing.
Built for Serious Investors.

Flexible commercial real estate loans from $500K to $5M. Multifamily, retail, office, industrial, and mixed-use financing with low-doc options and DSCR as low as 0.86x.

Whether you're purchasing your next investment, refinancing an existing property, or expanding your commercial portfolio, OptionOne provides competitive financing designed for experienced investors and business owners.

$500K–$5M
Loan Amounts
Purchase or refinance
Up to 75%
Maximum LTV
Fixed-rate financing
0.86x
Minimum DSCR
Low documentation
5 & 10 Yr
Interest-Only Options
Available for qualified borrowers
What We Finance

Commercial Properties
We Finance.

Financing for a wide range of income-producing commercial and residential investment properties across all major asset classes.

Single Family Rental (SFR)

Investment single-family rental properties for portfolio investors.

2–4 Unit Residential Income

Duplex, triplex, and fourplex investment properties.

Multifamily (5+ Units)

Apartment buildings and larger multi-family complexes.

Multi-Tenant Office

Class A, B, and C office buildings with stable tenancy.

Retail Shopping Centers

Strip centers, anchored retail, and mixed-tenant properties.

Industrial Buildings

Warehouses, distribution centers, and light industrial.

Mixed-Use Properties

Retail with residential above, live-work spaces.

Automotive Properties

Auto dealerships, service centers, and specialty automotive.

Self-Storage Facilities

Storage facilities across urban and suburban markets.

Featured Program

Investment Property Loan.
Low Doc. Low DSCR.

Ideal for investors seeking simplified qualification while financing stabilized income-producing commercial real estate.

Low Documentation · Low DSCR

Investment Property Loan

Fixed-rate commercial financing for stabilized income properties with simplified underwriting and interest-only options available.

Most Popular

Program Highlights

Loan Amount$500K – $5M
Maximum LTVUp to 75%
Minimum DSCR0.86x
Loan Term30 Years
Amortization30 Years
Interest RateFixed Rate
Interest Only5-Yr & 10-Yr IO
RecourseFull Recourse
Why Investors Choose OptionOne

Institutional Lending.
Investor Speed.

Our commercial loan programs are designed around the way experienced investors actually structure deals. Simplified documentation, flexible qualification, and the certainty of execution that keeps your acquisitions on track.

Whether you're expanding a portfolio, stabilizing long-term financing, or making your first commercial acquisition, we structure loans that work for your investment strategy.

Speak With a Specialist →
  • Low documentation requirements for stabilized properties
  • Minimum DSCR as low as 0.86x for qualified borrowers
  • Fixed-rate financing with predictable payment structure
  • Interest-only options available (5-year and 10-year)
  • Multiple property types under one lending platform
  • Purchase or refinance — both structures supported
  • Portfolio expansion financing for scaling investors
Purchase or Refinance

Every Situation.
One Lender.

Our commercial lending team can help structure the right financing solution for your specific situation. Whether you're growing your portfolio or optimizing existing investments, we have the program to match.

Purchase Your Next Investment

Acquire commercial income properties with competitive financing.

Refinance an Existing Commercial Loan

Improve terms or extract equity from stabilized assets.

Improve Cash Flow

Restructure debt with interest-only options for maximum monthly cash flow.

Stabilize Long-Term Financing

Lock in fixed-rate 30-year commercial financing on stabilized properties.

Expand Your Portfolio

Scale from single-asset investor to multi-property portfolio operator.

Recently Financed

Real Deals.
Real Numbers.

A snapshot of investment properties across our Los Angeles market — from luxury residential to institutional multi-family.

$15,540,000
Bel Air, CA
Luxury Residential
$5,983,565
Brentwood, CA
Multifamily Complex
$1,800,000
Los Angeles, CA
Investment Property
$1,292,500
Culver City, CA
Residential Income
Documentation Required

Property Requirements.

To ensure a smooth underwriting process, the following items are generally required. Additional documentation may be requested depending on property type and transaction.

Requirement 01

Environmental Review

Phase I Environmental Site Assessment for commercial properties.

Requirement 02

Commercial Appraisal

Independent valuation from our approved vendor network.

Requirement 03

Title Insurance

Lender's title insurance policy from qualified underwriter.

Requirement 04

Property Condition Assessment

PCA when applicable based on property type and age.

How It Works

Our Commercial
Lending Process.

A structured, four-step process built for clarity, speed, and predictable execution.

1

Initial Consultation

Discuss your property, investment goals, and financing needs with a commercial specialist.

2

Preliminary Review

Review property financials and determine eligibility. Get initial terms in 48 hours.

3

Underwriting

Appraisal, environmental review, title, and due diligence completed by our team.

4

Loan Closing

Close with long-term financing designed to support your investment strategy.

FAQ

Frequently Asked
Questions.

We finance multifamily (5+ units), office buildings, retail shopping centers, industrial buildings, mixed-use properties, self-storage facilities, automotive properties, and residential investment properties including single-family rentals and 2-4 unit income properties.
Yes. Our Investment Property Loan program is available for both purchases and refinances. You can refinance existing commercial loans to lower rates, extract equity through cash-out refinancing, or extend terms for stabilized long-term financing.
Qualified borrowers may be eligible with a Debt Service Coverage Ratio (DSCR) as low as 0.86x. This is significantly lower than most conventional commercial lenders (typically 1.20x or higher), which allows financing on properties with tighter cash flow profiles.
Yes. We offer both 5-year and 10-year interest-only options for qualified borrowers. Interest-only structures can significantly improve early-year cash flow, making them ideal for value-add investments or portfolio expansion strategies.
Our Investment Property Loan program funds up to $5,000,000 per transaction. Loans start at $500,000. Larger transactions may be structured on a case-by-case basis depending on property type, sponsor experience, and market fundamentals.
Up to 75% LTV for purchase and rate-and-term refinance transactions. Cash-out refinance LTVs may be slightly lower depending on property type and borrower profile.
Full recourse means the borrower is personally liable for the loan in the event of default, beyond just the property itself. This is standard for commercial loans in this size range and is one of the reasons we can offer lower DSCR requirements and better rates.
Commercial closings typically take 30-45 days from application to funding, depending on appraisal and environmental review turnaround. Refinances of stabilized properties can sometimes close faster.

Ready to Finance
Your Next Investment?

Whether you're acquiring your first commercial property or growing an established portfolio, our commercial lending specialists are ready to structure the right solution.

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