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Calculate monthly payments, total interest, and view amortization schedules for commercial real estate loans. Compare fully amortizing vs. interest-only payment structures.
Calculate monthly payments and total costs for a commercial mortgage. Compare amortizing vs. interest-only payment structures.
This calculator provides estimates only. Actual rates and terms depend on property type, location, borrower qualifications, and market conditions. Contact us for a personalized quote.
Key Takeaways
Commercial mortgages differ from residential loans in several key ways. Understanding these differences helps you make informed financing decisions for your investment properties.
$929B
total commercial and multifamily mortgage originations in 2023
Source: Mortgage Bankers Association
6,000+
commercial lenders in Clear House Lending's network
Source: Clear House Lending
$4.7T
total commercial and multifamily mortgage debt outstanding
Source: Federal Reserve
50 states
nationwide coverage for commercial real estate financing
Source: Clear House Lending
Commercial mortgage payments depend on the loan amount, interest rate, term, and whether it's amortizing or interest-only. Amortizing loans have higher monthly payments but build equity over time, while interest-only loans have lower payments but require a balloon payment at maturity.
The loan term is how long before the loan matures (often 5-10 years for commercial), while the amortization period determines how payments are calculated (typically 25-30 years). This creates a balloon payment at the end of the term.
Commercial mortgages typically require 20-35% down payment, depending on the property type, loan program, and borrower qualifications. SBA loans may allow as little as 10% down for owner-occupied properties.
Yes, commercial mortgage rates are typically 0.5-2% higher than residential rates due to increased risk and complexity. Rates vary by property type, loan amount, term, and borrower qualifications.
This calculator provides estimates. Actual rates and terms vary based on property type, location, and your qualifications. Contact us for a personalized quote from our network of 6,000+ lenders.
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