Written & reviewed by Stephen A. Sobin, President of Select Commercial Funding LLC
New York
New York Commercial Mortgages in 2026
Select Commercial arranges New York commercial mortgage financing on office, retail, industrial, mixed-use and owner-occupied property, with rates as low as 6.34%, up to 75% LTV (90% owner-occupied with SBA) and terms to 30 years. Compare today’s commercial mortgage rates.
Get a Free QuoteFinancing Options in New York
New York apartment, multifamily and commercial properties each have dedicated financing. Pick the page that matches your property:
Financing more of the state? See New York apartment loans.
Financing in another state? Explore our apartment loans, multifamily loans and commercial mortgages nationwide.
New York Commercial Mortgage Rates
| Loan Type | Rate* | Max LTV |
|---|---|---|
| Commercial Real Estate | 6.74% | Up to 75% |
| Single-Tenant Net Lease | 6.34% | Up to 75% |
| Owner-Occupied / SBA | 6.54% | Up to 90% |
| Apartment / Multifamily | 5.70% | Up to 80% |
- New York commercial mortgage rates as low as 6.34%
- Up to 75% LTV commercial, 90% owner-occupied
- Terms and amortizations up to 30 years
- Purchase and refinance, including cash-out
- No upfront application or processing fees
- 48-hour written pre-approvals, no cost or obligation
Rates last updated August 11, 2026. Rates and maximum LTV shown represent our best-case pricing scenarios. Actual rates, LTV, and loan terms are subject to underwriting approval and may vary.
New York Commercial Mortgage Benefits
- New York commercial mortgage rates as low as 6.34% on qualifying net-lease property
- A commercial mortgage broker with 30+ years of lending experience
- No upfront application or processing fees
- Up to 75% LTV on commercial property, 90% on owner-occupied with SBA
- Terms and amortizations up to 30 years, purchase and refinance including cash-out
- 48-hour written pre-approvals, no cost and no obligation
2026 New York Commercial Real Estate Market
Select Commercial arranges commercial mortgages across New York, from major metros to smaller markets. Statewide, new commercial construction remains below the long-run average across most property types, which supports occupancy and the cash flow lenders underwrite. Most New York commercial mortgages price over the 5, 7 or 10 year Treasury, so 2026 deals size to debt-service coverage, with a debt-service-coverage ratio of at least 1.25x clearing underwriting comfortably.
By property type
- Industrial: generally the strongest sector, tight vacancy near transport corridors.
- Retail: necessity retail is resilient; national net-lease tenants price best.
- Office: selective, premium and medical office financeable.
- Mixed-use and multifamily: the deepest lender pool statewide.
Recent Commercial Closings
A sample of commercial and apartment loans we have arranged for investors nationwide.
Other Property & Loan Types We Finance in New York
As a full-service commercial mortgage broker, we arrange New York financing across every major property and loan type:
We consider commercial loan requests of all sizes, beginning at $1,500,000.
New York Commercial Mortgage Markets We Serve
We provide commercial mortgages throughout New York, including:
- Bronx commercial mortgages
- Brooklyn commercial mortgages
- Buffalo commercial mortgages
- Freeport commercial mortgages
- Hempstead commercial mortgages
- Manhattan commercial mortgages
- Mount Vernon commercial mortgages
- Nassau County commercial mortgages
- New Rochelle commercial mortgages
- New York City commercial mortgages
- Poughkeepsie commercial mortgages
- Queens commercial mortgages
- Rochester commercial mortgages
- Rockland County commercial mortgages
- Staten Island commercial mortgages
- Suffolk County commercial mortgages
- Syracuse commercial mortgages
- Valley Stream commercial mortgages
- Westchester County commercial mortgages
- White Plains commercial mortgages
- Yonkers commercial mortgages
What Our Clients Say
“As a real estate attorney, I trust that Select Commercial will deliver commercial mortgages in a timely manner. My clients are always handled professionally, and the rates and terms are excellent. I heartily recommend them.”
David S. · New York City“I spoke to several commercial lenders before finding Select Commercial. I was glad I did, because they got me a lower rate and their service was exceptional. If you need a commercial mortgage, you need to talk to Stephen.”
Nathan B. · Philadelphia, PA“Select Commercial was very helpful with my commercial mortgage. I needed to increase cash flow due to maintenance on my property. Stephen went over several options and got me the funds while lowering my payments.”
Gary M. · Portland, OR“I looked elsewhere after two disappointing refinances. I found selectcommercial.com and saw they specialized in commercial building loans. In the end they were by far the best company I have used.”
Jerry T. · Long Island, NYGet Your New York Commercial Mortgage Quote
No cost, no obligation. Written answers within 48 hours on New York commercial 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