Commercial Mortgage Rates

1,116 Views | 9 Replies | Last: 9 days ago by El Hombre Mas Muerto
Jason_Roofer
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9:06p, 5/17/26
What is the lowest commercial mortgage interest rate that can be locked in for at least a five year period right now?
It would be for an established business with good credit that is just coming out of its fixed rate term.

Please DM for more details or if there is anyone that might be of assistance.
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Heineken-Ashi
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6:41a, 5/18/26
The 5-year treasury is 4.26%. It depends on the spread you get though. You're probably looking in the 6%-7% range. But I would consult a commercial broker.
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Jay@AgsReward.com
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In reply to Jason_Roofer • 8:26a, 5/18/26
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The property type matters quite a bit. what type of property is this?
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ReelAg6
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2:03p, 5/18/26
There's usually about a 200-250 basis point spread over the 10 year, but that could change based on a hundred different factors.
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MAS444
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In reply to Jay@AgsReward.com • 7:23a, 5/19/26
AG
How about a small commercial office building (2700ft2)? I've got a ballon coming up in about 1.5 years and need to refi in between now and then.
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Dr T and the Women
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7:36p, 5/19/26
AG
Owner occupied usually helps in terms of rate

I just got 6.25 if that helps
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Bitter Old Man
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In reply to Dr T and the Women • 9:58a, 5/20/26
AG
Dr T and the Women said:
Owner occupied usually helps in terms of rate

I just got 6.25 if that helps

Owner Occ definitely helps, but it also helps when you're a doctor. If Jason is a roofer, he's probably not in the same credit pricing box as an MD.
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Dr T and the Women
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11:10a, 5/20/26
AG
True

But that rate was a published rate on a apartment building

So not owner occupied on that last one

Austin telco

Same rate now on the website
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MAS444
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12:19p, 5/20/26
AG
I'm owner occupied. I actually have 2 years left at 4% ...so holding on to that as long as possible.
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El Hombre Mas Muerto
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1:01p, 5/20/26
Lots of good answers here. Owner occ will help get your leverage up and keep rates down compared to a general CRE term loan.
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