Orlando · Central Florida

Orlando Commercial Real Estate Loans

Commercial financing for Orlando's mixed-use, multifamily, retail, office, and owner-occupied business properties — purchase, refinance, and cash-out options sized to the deal.

The Basics

What counts as a commercial real estate loan?

Commercial real estate loans finance properties used for business or investment purposes rather than a 1-4 unit residence — multifamily buildings of 5 or more units, mixed-use buildings, retail centers, office buildings, and owner-occupied properties for an operating business. Underwriting typically looks at the property's income and the borrower's or business's financial strength, rather than following standard residential guidelines.

Orlando & Central Florida

Financing Orlando's growing commercial market

Orlando's tourism-driven economy and steady population growth continue to fuel demand for mixed-use, multifamily, and retail development throughout Central Florida. Whether you're purchasing a multifamily building, refinancing an existing commercial property, or financing the building your business operates from, we help structure financing sized to the deal.

Areas commonly served: Orlando and Central Florida. Down payment, rate, and documentation requirements vary by program and borrower — talk to a loan officer for current terms on your scenario.

Common Questions

Commercial Loans FAQs

What size multifamily properties count as commercial?

Properties with 5 or more units are generally classified as commercial multifamily, while 1-4 unit properties (including duplexes and fourplexes) are typically financed under residential guidelines, including DSCR programs.

Can I get a commercial loan to purchase the building my business operates from?

Yes, owner-occupied commercial financing is available for businesses purchasing their own operating location.

Do commercial loans work for cash-out refinancing?

Yes, commercial cash-out refinancing is available for eligible income-producing or owner-occupied commercial properties.

Go Deeper

Related Reading

Financing Multifamily & Mixed-Use Property in Orlando

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DSCR & Short-Term Rental LoansConventional LoansFHA LoansVA LoansUSDA LoansJumbo LoansNon-QM LoansDown Payment AssistanceBridge Loans

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Icon Mortgage Group, powered by Mpire Financial Group LLC · NMLS# 2108504. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval. Programs and terms vary by state and property.