Commercial Mortgage Rates

Rates are always changing, so give us a call to get the most current information.

CMBS Conduit Loans

Target properties: Anchored and Unanchored Shopping Centers, Urban/Suburban Office Buildings, Multi-tenant Industrial, Self Storage, Multi-Family, Apartment, Manufactured Housing Communities, Credit Single Tenant and Hospitality


  • Rates: 5.50 to 6%
  • Terms: 5, 7, 10 years
  • Amortization: 30 years
  • DSCR: 1.25
  • LTV: 75%
  • Types: Fixed rate; Balloon


HUD Multifamily

Target properties: Multifamily / Apartment Buildings


  • Rates: 4.25%
  • Terms: 35 years
  • Amortization: 35 years
  • DSCR: 1.18
  • LTV: 80-85%
  • Types: Fixed-Rate; Fully Amortizing


Fannie Mae / Freddie Mac Multifamily / MHC

Target properties: Multifamily / Manufactured Housing Communities


  • Rates: 4.75-7%
  • Terms: 5, 7, 10, 30 years
  • Amortization: 30 years
  • DSCR: 1.25
  • LTV: 75-80%
  • Types: Fixed rate; Balloon; Fully Amortizing


SBA 504

Target properties: Owner Occupied Properties


  • Rates: 5.75 to 6.25%
  • Terms: Floating and 3, 5 years
  • Amortization: 25 years
  • DSCR: 1.20
  • LTV: 90%
  • Types: Fully Amortizing



Target properties: $5 Million Max


  • Rates: 6.00%
  • Terms: Floating
  • Amortization: 25 years
  • DSCR: 1.20
  • LTV: 80-90%
  • Types: Fully Amortizing


Smart Rate Commercial Capital provides commercial loans, mortgages and financing for commercial property owners, real estate investors, and business owners at a time when most banks and lenders are not willing to close these loans. Don’t let the credit tightening policies of most lenders and the state of the current economy stop you from closing your deal!

We are located in the greater Detroit, MI area and love to do loans in Michigan, but we place commercial loans all over the country as well. For a complete list of the areas we serve and can do loans in, click here.

Give us a call at (586) 298-2276 and we’ll be happy to give you a free consultation and let you know where you stand.

We look forward to helping you with your commercial capital needs. Complete our simple online rate quote form and a representative will call you within 24 hours to discuss your commercial financing and loan needs.