Flexible commercial real estate loans from $500K to $5M. Multifamily, retail, office, industrial, and mixed-use financing with low-doc options and DSCR as low as 0.86x.
Whether you're purchasing your next investment, refinancing an existing property, or expanding your commercial portfolio, OptionOne provides competitive financing designed for experienced investors and business owners.
Financing for a wide range of income-producing commercial and residential investment properties across all major asset classes.
Investment single-family rental properties for portfolio investors.
Duplex, triplex, and fourplex investment properties.
Apartment buildings and larger multi-family complexes.
Class A, B, and C office buildings with stable tenancy.
Strip centers, anchored retail, and mixed-tenant properties.
Warehouses, distribution centers, and light industrial.
Retail with residential above, live-work spaces.
Auto dealerships, service centers, and specialty automotive.
Storage facilities across urban and suburban markets.
Ideal for investors seeking simplified qualification while financing stabilized income-producing commercial real estate.
Fixed-rate commercial financing for stabilized income properties with simplified underwriting and interest-only options available.
Our commercial loan programs are designed around the way experienced investors actually structure deals. Simplified documentation, flexible qualification, and the certainty of execution that keeps your acquisitions on track.
Whether you're expanding a portfolio, stabilizing long-term financing, or making your first commercial acquisition, we structure loans that work for your investment strategy.
Speak With a Specialist →Our commercial lending team can help structure the right financing solution for your specific situation. Whether you're growing your portfolio or optimizing existing investments, we have the program to match.
Acquire commercial income properties with competitive financing.
Improve terms or extract equity from stabilized assets.
Restructure debt with interest-only options for maximum monthly cash flow.
Lock in fixed-rate 30-year commercial financing on stabilized properties.
Scale from single-asset investor to multi-property portfolio operator.
A snapshot of investment properties across our Los Angeles market — from luxury residential to institutional multi-family.
To ensure a smooth underwriting process, the following items are generally required. Additional documentation may be requested depending on property type and transaction.
Phase I Environmental Site Assessment for commercial properties.
Independent valuation from our approved vendor network.
Lender's title insurance policy from qualified underwriter.
PCA when applicable based on property type and age.
A structured, four-step process built for clarity, speed, and predictable execution.
Discuss your property, investment goals, and financing needs with a commercial specialist.
Review property financials and determine eligibility. Get initial terms in 48 hours.
Appraisal, environmental review, title, and due diligence completed by our team.
Close with long-term financing designed to support your investment strategy.
Whether you're acquiring your first commercial property or growing an established portfolio, our commercial lending specialists are ready to structure the right solution.