Inputs
Owner-Occupied / InvestorTip: Enter rent + purchase price first. Then tune rate/term/down to show how close ownership is to rent.
Results
Live Meeting ViewLoan Amount
$—
Est. Monthly P&I
$—
DSCR (NOI ÷ Debt Service)
—
DSCR Status: —
Rent Delta: $—
Quick Option Snapshot
| Option | Down | Term | Notes |
|---|---|---|---|
| SBA 7(a) | ~10% | 25 yrs | More docs, can include WC/equipment |
| Small-Balance Commercial | 20% | 30 fixed / 5 ARM | Faster, flexible docs |
| Conventional Commercial | 20–25% | 20–25 yrs | Often balloon; strongest credit/financials |
This snapshot is for discussion only; final terms depend on underwriting and appraisal.
Ownership vs Rent Considerations
- You already proved the location works (stabilized operations).
- Ownership converts rent into equity and control.
- Potential to refinance later as NOI grows.
- Potential to lease unused space / improve property value.
Next: Collect docs → confirm DSCR → choose best structure → submit package.
Documents Needed (Copy/Paste Checklist)
• 2–3 years business tax returns
• 2–3 years personal tax returns
• Year-to-date P&L
• Business balance sheet
• 3 months business bank statements
• Current lease agreement
• Purchase contract (if available)
• Credit score confirmation
• Entity docs (LLC/Corp) if applicable