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Commercial Loans

Commercial Real Estate Loans in California

Financing for multifamily, mixed-use, retail, office, and industrial properties in California. 50+ lenders competing for your deal.

Get Pre-Qualified →Call (732) 754-2144

Why California Is a Strong Market for Commercial Real Estate Investment

California offers strong opportunities for commercial real estate investors across multiple asset classes. Growing population trends, strong employment fundamentals, and increasing demand for multifamily housing and mixed-use development make California a prime market for commercial property acquisitions and refinances.

Whether you're acquiring a multifamily apartment complex, refinancing a retail center, or developing a mixed-use project, Sinai Capital connects you with 50+ commercial lenders who compete to offer the best rate and terms for your California deal. From bridge loans for value-add acquisitions to permanent financing for stabilized assets, we cover the full spectrum of commercial real estate lending.

California Real Estate Market at a Glance

Median Home Price

$785,000

Median Rent

$2,800

Avg Cap Rate

4.5%

Foreclosure Type

Non-Judicial

State Income Tax

Yes

Landlord Friendly

Moderate

Sacramento and the Inland Empire have become California hotspots for DSCR loan investors, offering median prices 40-60% below coastal markets while maintaining strong rental demand.

Top California Markets for Commercial Real Estate

Los Angeles, CA

Active commercial lending market with strong multifamily and mixed-use demand

San Diego, CA

Active commercial lending market with strong multifamily and mixed-use demand

Sacramento, CA

Active commercial lending market with strong multifamily and mixed-use demand

San Jose, CA

Active commercial lending market with strong multifamily and mixed-use demand

Riverside, CA

Active commercial lending market with strong multifamily and mixed-use demand

Commercial Loan Requirements in California

Loan-to-Value (LTV)Up to 80% (varies by property type and lender)
Loan Terms5-30 year terms with various amortization schedules
Interest Rates6% - 12% (depends on deal structure and asset class)
Loan Amounts$250,000 - $50,000,000
Minimum Credit Score660+ (700+ for best rates)
Time to Close20-45 days (bridge as fast as 10-14 days)
DSCR Requirement1.20x+ typical (varies by lender and property type)
Property TypesMultifamily (5+), mixed-use, retail, office, industrial, self-storage, hospitality
OccupancyInvestment and owner-occupied commercial properties
Recourse OptionsRecourse and non-recourse available depending on deal size

California Lending Regulations & Tax Considerations

Foreclosure & Lending Laws

California uses a non-judicial foreclosure process that typically takes about 4 months. However, the state has extensive tenant protection laws, including statewide rent control (AB 1482) that caps annual rent increases at 5% plus CPI for most properties. Investors should factor these regulations into their DSCR calculations.

Tax Implications for Investors

California has the highest state income tax rate in the nation at up to 13.3%. Property tax rates are relatively low at about 0.75% due to Proposition 13 limitations, but the high property values still result in substantial tax bills. DSCR loans are especially attractive here because they do not require disclosure of personal income.

How to Get a Commercial Loan in California

1

Tell us about your deal

Fill out a quick pre-qualification form with your California commercial property details, loan amount, and timeline. Takes about 2 minutes. No credit pull required.

2

We shop 50+ lenders for your best rate

We send your deal to our network of 50+ commercial lenders who specialize in California investment properties. Each lender competes to offer you the best rate and terms for your specific asset class.

3

Choose your terms and close

Pick the offer that works best for your California commercial investment. We handle the paperwork and push your deal to closing. Most commercial loans close in 20-45 days.

California Commercial Real Estate Loan FAQ

What types of commercial properties can I finance in California?+
We finance a wide range of commercial properties in California, including multifamily (5+ units), mixed-use buildings, retail centers, office buildings, industrial warehouses, self-storage facilities, and hospitality properties. Each property type has specific underwriting criteria, but our network of 50+ lenders covers virtually every commercial asset class.
What are commercial real estate loan rates in California?+
Commercial real estate loan rates in California typically range from 6% to 12%, depending on the property type, loan-to-value ratio, borrower experience, and deal structure. Stabilized multifamily properties tend to get the lowest rates, while value-add or transitional properties may be on the higher end. Working with Sinai Capital means 50+ lenders compete to offer you the best rate.
What is the minimum loan amount for a commercial loan in California?+
The minimum commercial loan amount we handle in California is $250,000. Our lenders can finance deals up to $50 million. For smaller commercial deals under $250K, a portfolio loan or conventional investment property loan may be a better fit.
What DSCR is required for a commercial loan in California?+
Most commercial lenders in California require a minimum Debt Service Coverage Ratio (DSCR) of 1.20x, meaning the property's net operating income must be at least 1.20 times the annual debt payments. Some lenders may go as low as 1.0x for strong borrowers or accept interest-only structures that improve cash flow metrics.
Are commercial loans recourse or non-recourse in California?+
Both recourse and non-recourse options are available for commercial properties in California. Non-recourse loans (where the lender can only go after the property, not your personal assets) are common for larger deals, typically $1M+ on stabilized assets. Recourse loans are more common for smaller deals and may offer better rates. Our lenders offer both structures depending on the deal.
How fast can I close on a commercial loan in California?+
Commercial loans in California typically close in 20-45 days depending on the deal complexity, property type, and lender. Bridge and hard money commercial loans can close in as few as 10-14 days for time-sensitive acquisitions. Larger or more complex deals with SBA or CMBS financing may take 60-90 days.

Ready to Finance a Commercial Property in California?

We shop your California commercial deal to 50+ lenders to find you the best rate. No credit pull. No commitment. Takes 2 minutes.

Get Pre-Qualified →Call (732) 754-2144

Other Loan Products Available in California

DSCR LoansBridge LoansFix-and-Flip LoansCash-Out RefinanceConstruction LoansPortfolio LoansForeign NationalBank Statement

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