Written & reviewed by Stephen A. Sobin, President of Select Commercial Funding LLC
Property Type
Medical Office & Practice Loans
Select Commercial arranges medical office and practice loans for the purchase and refinance of medical, dental and healthcare property nationwide from $1,500,000, with up to 75% LTV conventionally and up to 100% with SBA for qualifying practices. Compare today’s commercial mortgage rates.
Get a Free QuoteMedical Property Loan Rates & Terms
| Loan Type | Rate* | Max LTV |
|---|---|---|
| 5 Year Fixed | 6.77% | 75% |
| 7 Year Fixed | 6.77% | 75% |
| 10 Year Fixed | 6.77% | 75% |
- Loan amounts from $1,500,000, no maximum
- Medical office, dental and healthcare property
- Practice acquisition financing
- Up to 75% LTV conventionally, up to 100% with SBA
- Owner-occupied and investor options
- Terms and amortizations up to 30 years
Rates are indicative and update with the market. Final terms are set by underwriting.
Compare Your Medical Property Loan Options
We match medical real estate and practice acquisitions to the right lender:
| Program | Typical rate* | Max leverage | Best for |
|---|---|---|---|
| SBA 504 / 7(a) | 6.03% | Up to 100% | Practice acquisition, owner-users |
| Bank / portfolio | 6.77% | Up to 75% | Stabilized medical office |
| CMBS / conduit | 6.67% | Up to 75% | Larger MOB, non-recourse |
| Bridge | 9.00% | Up to 75% | Lease-up and value-add |
Certain professional practices qualify for up to 100% SBA financing, while investor medical office is generally financed up to 75% LTV conventionally.
Medical Properties We Finance
We offer medical office and medical practice loans for the purchase or refinance of medical, dental and healthcare properties nationwide, from $1,500,000:
- Medical office buildings (MOBs), single and multi-tenant
- Dental and veterinary offices
- Practice acquisition financing for physicians, dentists and veterinarians
- Owner-occupied and investor medical real estate
Medical Office: 2026 Outlook
Medical office is widely viewed as one of the most defensive commercial property types in 2026, supported by demographics and durable outpatient demand.
Occupancy at a decade high. National medical office occupancy is around 93%, its strongest in ten years, with tenant retention near 89% as practices stay put and demand stays sticky.
Rents rising as supply tightens. Medical office rent growth is accelerating, projected near 1.4% in 2026, and MOB rents rose about 6.2% over two years even as general office rents fell. New construction completions are set to drop about 26% in 2026 to the lowest level in over a decade, keeping upward pressure on rents.
Investment is surging. Capital has rotated toward healthcare as a core allocation, with medical office deal value climbing sharply in recent years, and investor activity is expected to strengthen further as capital markets ease.
Why Finance Medical Property With Select Commercial
With more than 30 years of experience and SBA, bank, CMBS and bridge relationships, we finance both medical real estate and practice acquisitions, including SBA options that can reach up to 100% for qualifying professional practices. There are no upfront application or processing fees, and we issue written pre-approvals within 48 hours at no cost or obligation.
What Our Clients Say
“I am a veterinarian who purchased an existing practice. I was surprised to find a company that offered 100% financing at a good rate, with great terms and rates for medical office financing.”
Carol K. · Chicago, IL“Select Commercial offered 100% financing for my medical practice when my bank would have required 20% down. They delivered something my bank could not, and handled everything professionally.”
John C. · Boston, MA“I needed an SBA loan and found Select Commercial. It was obvious Stephen knew everything about commercial loans. If you are starting a small business, definitely give them a call.”
Larry S. · Washington, DC“I needed a business mortgage for my small business. Stephen helped me the entire way and was always accessible. I highly recommend them.”
Jonathan M. · Seattle, WAGet Your Medical Property Quote
No cost, no obligation. Written answers within 48 hours on medical loans from $1,500,000.
- No application or processing fees
- Written answers within 48 hours
- For 5+ unit and commercial properties, $1.5M and up