Today's Single-Use Loan Rates
Single-Use Loan Rates - Updated 3/26/25
| Single-Use Loan Rates | Free Loan Quote | ||
|---|---|---|---|
| Loan Type | Rate* | LTV | |
| 5 Year Fixed Rates | 6.50% | Up to 75% | |
| 7 Year Fixed Rates | 6.62% | Up to 75% | |
| 10 Year Fixed Rates | 6.74% | Up to 75% | |
Single Use and Special Use Commercial Mortgage Outlook for 2025
The commercial real estate market is evolving, and single-use commercial mortgages and specialty-use commercial mortgages are becoming essential financing tools for business owners and investors. Whether purchasing a restaurant, gas station, medical office, or hotel, securing the right financing is key to long-term success. As we move into 2025, market trends, interest rates, and lending conditions are shaping opportunities in this sector.
Market Trends for Single-Use and Specialty-Use Commercial Properties
Demand for single-use commercial properties remains strong, especially in industries like healthcare, food service, and logistics. Specialty-use commercial properties, including hotels, self-storage facilities, and entertainment venues, are seeing renewed interest as consumer behavior shifts post-pandemic.
Standalone retail properties are adapting to new market conditions by incorporating omnichannel strategies to stay competitive. Meanwhile, industrial and warehouse properties continue to thrive, fueled by e-commerce growth and supply chain modernization.
Financing Trends in Single-Use Commercial Mortgages
Lenders are closely scrutinizing single-use commercial mortgage applications due to the unique risks associated with these properties. Key trends shaping financing options in 2025 include:
- Higher Interest Rates & Stricter Approval Standards – With borrowing costs elevated, lenders require strong financials and steady revenue streams from borrowers to approve single-use commercial mortgages.
- Longer Loan Processing Times – Due to the specialized nature of these properties, lenders conduct extensive due diligence before approving specialty-use commercial mortgage financing.
- Tenant Strength is a Priority – Lenders favor single-use commercial properties that are leased to national or well-established regional tenants, reducing financial risk.
- Increased Use of SBA and Alternative Lending – Many business owners are turning to SBA 504 loans, SBA 7(a) loans, and private lenders to secure financing for specialty-use commercial properties when traditional lending sources tighten.
Special-Use Commercial Mortgages: Key Considerations
Financing specialty-use commercial properties often requires working with lenders familiar with industry-specific risks. Properties like gas stations, car washes, and hotels have unique operational demands, which can impact loan approval. Lenders may require higher down payments or additional collateral to mitigate potential risks.
For investors and business owners looking to secure a specialty-use commercial mortgage, it's important to consider:
- Market Viability – Location and demand for the property type heavily influence loan approval and investment success.
- Property-Specific Requirements – Environmental studies, licensing, and zoning laws can impact financing eligibility.
- Loan Terms & Conditions – Specialty-use properties may have shorter loan terms, requiring strategic financial planning.
Investment Strategies for Single-Use and Specialty-Use Commercial Properties
Despite financing challenges, investing in single-use commercial properties remains a strong option for those targeting high-demand locations with stable tenants. Investors in specialty-use commercial properties should conduct thorough market research, assess tenant stability, and consider long-term property viability before securing financing.
For business owners and investors seeking single-use commercial mortgage or specialty-use commercial mortgage financing, working with an experienced commercial lender is essential. Choosing the right financing partner ensures access to the best loan terms and conditions for long-term success.
Specialized Financing for Single-Use and Specialty Properties
Select Commercial has decades of experience financing single-use and specialty real estate properties. We provide customized loan solutions for various property types, including:
Hotels and Motels
Our special-use loans include financing options for the hospitality industry. We actively provide funding for hotels and motels, including unflagged motels—properties that operate independently without a franchise agreement from brands like Holiday Inn or Marriott. Many older motels with exterior corridors and limited services face challenges securing financing, but we specialize in lending for these unique properties.
Gas Stations
Gas stations are often overlooked by traditional lenders due to environmental concerns. However, Select Commercial offers financing for both branded and off-brand gas stations, ensuring owners can secure the funding they need.
Restaurants and Bars
Standalone restaurants and bars are common single-use properties. Whether they are owner-occupied, independently owned, or part of a national franchise, we provide tailored financing solutions for restaurant and bar owners looking to purchase or refinance their properties.
Single-Tenant Medical Buildings
Medical professionals, including doctors, dentists, veterinarians, pharmacists, chiropractors, and acupuncturists, can secure funding through Select Commercial for single-use medical buildings. We offer up to 100% financing for eligible medical-related properties, ensuring healthcare professionals have access to the facilities they need.
Select Commercial is committed to offering the best rates and terms for single-use and specialty property financing. Contact us today to explore your loan options.
Our Single Use Loan Benefits
Single Use Loan rates start as low as 6.74% (as of March 26th, 2025)
• A commercial mortgage broker with over 30 years of lending experience
• No upfront application or processing fees
• Simplified application process
• Up to 90% financing on owner/user properties. Up to 100% for medical professionals.
• Terms and amortizations up to 25 years
• Loans for purchase and refinance, including cash-out
• 24 hour written pre-approvals with no cost and no obligation
Our Reviews
