These programs are ideal for non-owner-occupied transactions where traditional banks slow deals down or apply rigid underwriting standards.
Nationwide Business Purpose Lending (Non-Owner Occupied)
We offer asset-based business-purpose loans nationwide, focused on the strength of the property and the transaction rather than borrower income limitations.
- Loan amounts from $75,000 to $5,000,000
- Non-Owner Occupied Only
- Asset-based underwriting
- Designed for investors and business entities
Creative Loan Structures: Long-Term & Bridge Options
Our programs allow borrowers to choose the structure that best aligns with their strategy:
- 30-Year Fixed Rate Loans
- Interest-only options available
- Short-Term Bridge Loans
- Up to 24-month terms
- No prepayment penalty
Broad Property Type Eligibility
We support a wide range of commercial and investment property types, including:
- 1–4 Unit Residential (Business Purpose)
- Multifamily
- Mixed-Use
- Small Commercial
- Retail
- Office
- Warehouse
- Self-Storage
- Automotive Properties
- Mobile Home Parks
- Day Care Facilities
- Churches
We also offer competitive pricing for commercial loans under $750,000, particularly on:
- Mixed-Use properties
- Multi-unit assets
- Warehouses
- Retail properties
- Automotive properties
Investor & Foreign National Friendly
Our programs are built to support both domestic and international investors:
- Foreign Investors: up to 65% LTV
- Foreign Nationals: up to 75% LTV
- Available across all eligible property types
This makes MortgageDepot a strong financing partner for cross-border investment opportunities.
Leverage & Seller Carryback Options
We offer strong leverage for both purchases and refinances:
- LTV up to 75% for purchases and cash-out refinances
- CLTV up to 90% using a 75 / 15 / 10 structure
- Seller carrybacks and seller seconds allowed
Speed and Certainty
- Dedicated support team
- Pre-approvals in minutes
- Streamlined underwriting
- Fast closings — 2-week average
A Smarter SBA & Business Purpose Lending Partner
If you’re looking for nationwide business-purpose financing, creative loan structures, and fast closings across residential and commercial asset classes.
Contact us today to discuss your SBA or business-purpose loan scenario and receive a fast, no-obligation pre-approval.
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