Owner Occupied Specialty Use Commercial Property Finance USA

Unlocking Opportunities: Owner-Occupied Special Use Properties from $1,000,000 to $20,000,000


In the dynamic landscape of commercial real estate, Owner-Occupied Special Use properties have become a lucrative investment opportunity, particularly in the $1,000,000 to $20,000,000 range. These unique properties cater to specific industries, offering a diverse range of options for entrepreneurs and investors alike. In this blog, we’ll explore the potential of owner-occupied ventures in Self Storage, Restaurants, Assisted Living, Day Care, and Auto Repair, shedding light on a financing avenue that comes with attractive terms.

Property Types:

  1. Self Storage: Self-storage facilities have seen a surge in demand, driven by the need for extra space in our consumer-driven society. Investing in owner-occupied self-storage properties not only provides a steady income stream but also positions investors in a thriving market.
  2. Restaurants: Restaurants are a cornerstone of local communities, and owning the property where your restaurant operates can be a strategic financial move. Whether you’re a seasoned restaurateur or a budding entrepreneur, the prospect of owning the premises brings stability and potential appreciation.
  3. Assisted Living: The aging population has increased the demand for assisted living facilities. Investing in owner-occupied assisted living properties allows investors to contribute to a growing industry while securing a long-term, stable income.
  4. Day Care: Day care centers are essential for working parents, and their demand is unlikely to diminish. Owning the property where a day care operates provides a unique investment opportunity with social impact.
  5. Auto Repair: Auto repair businesses are essential services in every community. By owning the property housing an auto repair shop, investors can tap into the stability of this industry while potentially benefiting from property value appreciation.

Financing Terms:

Understanding the financing terms is crucial for potential investors looking to capitalize on owner-occupied special use properties. The offered terms include:

  • 20% Annual Prepay with No Penalty: The flexibility of a 20% annual prepayment without penalties allows investors to manage their finances effectively and take advantage of potential financial windfalls.
  • 60% Loan-to-Value (LTV): With a 60% Loan-to-Value ratio, investors can secure a significant portion of the property’s value, minimizing their initial capital requirements.
  • Credit and Debt Service Requirements: A minimum FICO score of 660 ensures that investors have a solid credit history, while a minimum Debt Service Coverage Ratio (DSCR) of 1.2 in the last year and interim provides a safety net for sustainable financing.


Owner-occupied special use properties offer a unique blend of stability and growth potential. Whether you’re venturing into self-storage, restaurants, assisted living, day care, or auto repair, the financing terms make these investments attractive for entrepreneurs and investors seeking to make a lasting impact in their chosen industries. As the market continues to evolve, seizing opportunities in these specialized properties may just be the key to long-term success in the world of commercial real estate