Owner-occupied property rules, investment property limits, occupancy requirements, and SBA real estate uses.
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SBA loans may finance owner-occupied commercial real estate, often with up to 90% financing in eligible structures.
SBA real estate usually requires owner occupancy, often 51% for existing buildings and 60% initially for new construction.
SBA loans generally cannot be used for pure investment property, but mixed-use owner-occupied properties may qualify.
SBA loans usually cannot finance pure rental property, but owner-occupied mixed-use property may qualify under occupancy rules.
SBA loans may be used to buy land when the land is tied to an eligible owner-occupied business project.
SBA 504 often suits fixed-asset real estate projects, while SBA 7(a) may offer more flexibility for mixed-use business needs.
SBA loans may be used for eligible owner-occupied commercial construction when plans, budget, and repayment support the project.
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