Commercial real estate

Owner-Occupied Dental Real Estate Financing

Owning the building your practice occupies turns rent into equity. Conventional commercial mortgages run 20–25 year amortizations against 75–80% LTV; SBA 7(a) and 504 programs go further (up to 90% LTV) for dentists buying their first owner-occupied property. We match across conventional and SBA lenders that actively write dental owner-occupied CRE.

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No hard credit pull to start. · Takes about 2 minutes.

Structure

How this product is shaped.

  • SBA 504 up to 90% LTV. Two-loan structure: 50% bank first + 40% CDC second + 10% equity. Long fixed second-loan term.
  • Conventional 75–80% LTV. Faster to close than SBA; better fit when you can put 20–25% down and want simpler covenants.
FAQ

Frequently asked.

Can I roll the practice acquisition + the real estate into one loan?
Possible but usually slower. Most experienced dental buyers carve the deal: a 10-year practice acquisition loan + a 20–25 year CRE loan, closed in parallel.

See your match.

Soft-pull first. One hard pull only with the lender you choose.

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