Commercial loans in California finance income-producing properties — apartment buildings, office buildings, retail centers, and industrial properties — typically requiring 25–35% down, a DSCR of 1.25x or higher, and rates that run 0.5–1.5% above residential mortgage rates.
Commercial Real Estate Loans California
From multifamily acquisitions to mixed-use development, DiVita Home Finance provides commercial real estate financing across California’s most active markets. We fund deals that don’t fit conventional bank boxes — fast, flexible, and relationship-driven.
Commercial Loan Programs
| Loan Type | Best For | Rate Range | LTV |
|---|---|---|---|
| Multifamily Loans | 5+ unit apartment buildings | 7.49%–9.99% | Up to 80% |
| Mixed-Use Loans | Retail + residential combo | 7.99%–10.49% | Up to 75% |
| Retail Property Loans | Strip centers, storefronts | 8.49%–10.99% | Up to 70% |
| Office Building Loans | Professional/medical office | 8.99%–11.49% | Up to 70% |
| Industrial Loans | Warehouse, flex, logistics | 7.99%–10.49% | Up to 75% |
Why California Investors Choose DiVita
Banks can take 60–90 days and still say no. Our commercial team provides term sheets within 24 hours, closes in 21–30 days, and evaluates deals on property cash flow rather than borrower tax returns. No seasoning requirements, no prepayment lockout on short-term loans.
Top Commercial Markets We Serve
Commercial Loan FAQ
What is the minimum loan amount for commercial loans?
Our minimum commercial loan is $500,000. Most deals we fund range from $1M to $15M, though we can go higher for strong assets in top markets.
Do you require personal income documentation?
For investment properties, we evaluate based on DSCR (debt service coverage ratio) and property income — not personal tax returns. Business bank statements may be required for owner-occupied commercial properties.
How long do commercial loans take to close?
21–30 days for standard commercial acquisitions. Bridge/hard money commercial deals can close in 10–14 days. SBA loans typically take 45–60 days.
Get a Commercial Loan Quote
📞 (800) 239-1103 | Apply Online →
Related: SBA Loans California | Hard Money Loans
About DiVita Home Finance
DiVita Home Finance is a small, family-owned mortgage company based in Marin County, California. When you call, you speak directly with Michael DiVita — the owner — not a call center, not an out-of-state rep, not someone reading from a script. We’re here for a low-key, no-obligation conversation about your situation.
We take your privacy seriously. We will never sell your information to third-party lenders or lead generation companies — unlike many of the large mortgage platforms. Your inquiry stays with us, period.
📞 Call: (800) 239-1103 | 💬 Text Michael directly: (310) 849-9124
