Written & reviewed by Stephen A. Sobin, President of Select Commercial Funding LLC
Santa Rosa, California
Santa Rosa Commercial Mortgages in 2026
As a Santa Rosa commercial mortgage broker with 30+ years of experience, Select Commercial finances office, retail, industrial and mixed-use property from $1,500,000, with rates as low as 6.37% and up to 75% LTV. See current rates on every loan type we offer.
Get a Free QuoteFinancing Options in Santa Rosa
Santa Rosa apartment, multifamily and commercial properties each have dedicated financing. Pick the page that matches your property:
Financing more of the state? See California commercial mortgages and California apartment loans.
Financing in another state? Explore our apartment loans, multifamily loans and commercial mortgages nationwide.
Santa Rosa Commercial Mortgage Rates
| Loan Type | Rate* | Max LTV |
|---|---|---|
| Commercial Real Estate | 6.77% | Up to 75% |
| Single-Tenant Net Lease | 6.37% | Up to 75% |
| Owner-Occupied / SBA | 6.57% | Up to 90% |
| Apartment / Multifamily | 5.78% | Up to 80% |
- Santa Rosa commercial mortgage rates as low as 6.37%
- 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 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.
Santa Rosa Commercial Mortgage Benefits
- Santa Rosa commercial mortgage rates as low as 6.37% 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 Santa Rosa Commercial Real Estate Market Outlook
Employment and population trends in the Santa Rosa area shape how lenders view a Santa Rosa commercial mortgage. A steady local economy supports occupancy and the cash flow that Santa Rosa commercial mortgage underwriting depends on.
Santa Rosa Supply and Demand
New Santa Rosa commercial construction across most property types remains below the long-run average, which helps hold vacancy in check for stabilized buildings. For borrowers, limited competing supply strengthens the cash-flow story lenders want to see on a Santa Rosa commercial mortgage. Well-located property with durable occupancy continues to attract competitive financing even as underwriting stays disciplined.
Santa Rosa Commercial Mortgage Rates and Underwriting
Most Santa Rosa commercial mortgages price over the 5, 7 or 10 year Treasury rather than the Prime Rate. Those benchmarks remain elevated versus the last cycle, so 2026 Santa Rosa deals are sizing to debt-service coverage more than to a headline LTV. Buildings with strong occupancy and a debt-service-coverage ratio of at least 1.25x are clearing underwriting comfortably, and stronger tenants and longer leases earn the best pricing.
Santa Rosa Commercial Property Types
- Industrial: generally the strongest sector, with tight vacancy near transportation corridors.
- Retail: neighborhood and necessity retail is resilient; national credit net-lease tenants price best.
- Office: selective, with premium and medical office financeable and commodity space more conservative.
- Mixed-use and multifamily: the deepest lender pool, supported by steady rental demand.
Santa Rosa Commercial Real Estate Loans We Arrange
Whether you are purchasing or refinancing in Santa Rosa, we arrange financing across every major commercial property type:
Santa Rosa Apartment and Multifamily Loans
Apartment and multifamily lending is a core part of our business. We finance garden apartments, mid-rise and high-rise buildings, student and senior housing, and mixed-use property, with agency, bank, FHA and CMBS options up to 80% LTV.
Santa Rosa Office Building Loans
We lend on office property in Santa Rosa, both multi-tenant and single-tenant, for investors and owner-users. Investor office typically reaches 75% LTV and owner-occupied up to 90% with SBA, usually fixed for 5, 7 or 10 years on a 25-year amortization.
Santa Rosa Retail and Shopping Center Loans
We finance retail in Santa Rosa from strip centers to single-tenant NNN net-lease stores. National credit tenants earn the best terms; we are more conservative on local, short-lease retail.
Santa Rosa Industrial and Warehouse Loans
Industrial property, warehouse, distribution and flex space, remains a favored asset class in Santa Rosa, often owner-occupied. We look for good locations with access to population centers and transportation.
Santa Rosa Owner-Occupied and SBA Loans
Business owners buying their own Santa Rosa building can reach up to 90% LTV through SBA programs, a strong option for offices, medical practices, and special-purpose property.
Santa Rosa Special-Purpose and Bridge Loans
We also arrange self-storage, hotel, mobile home park and other special-purpose financing, plus short-term bridge loans for Santa Rosa properties in transition or lease-up. Our capital sources include national and regional banks, Fannie Mae, Freddie Mac, FHA and HUD, insurance companies, CMBS conduit lenders, credit unions and private lenders.
Recent Commercial Closings
A sample of commercial and apartment loans we have arranged for investors nationwide.
Other Property & Loan Types We Finance in Santa Rosa
As a full-service commercial mortgage broker, we arrange Santa Rosa financing across every major property and loan type:
We consider commercial loan requests of all sizes, beginning at $1,500,000.
How We Help Santa Rosa Commercial Mortgage Clients
Select Commercial is a leading Santa Rosa commercial mortgage broker. We arrange financing for owners and purchasers of commercial real estate throughout Santa Rosa and the surrounding California area. While we lend across the continental United States, Santa Rosa is a market we actively originate in. With 30+ years of experience, we compare many sources of capital, national banks, regional and local banks, Fannie Mae, Freddie Mac, FHA and HUD, insurance companies, CMBS conduit lenders, credit unions and private lenders, to fit each client. We charge no upfront application or processing fees and typically offer 24-to-48-hour written pre-approvals with no cost and no obligation. Our long-term fixed rates are competitive and we look to close within 45 days of application.
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 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“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“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, MAGet Your Santa Rosa Commercial Mortgage Quote
No cost, no obligation. Written answers within 48 hours on Santa Rosa 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