Buy, refinance, or take cash out of a repair shop, service center, or body shop building. Auto buildings come with their own questions, like past fuel and oil use, service bays, and who the tenant is, and the loan is built around them.
Automotive DSCR covers repair and service centers, body and collision shops, and auto-related warehouse and flex space. These buildings often have long-term tenants. Oil change and tire chains, collision brands, and independent shops that have been in the same building for years give the income real staying power.
Two things get a closer look on auto buildings. First, the environmental history: a Phase I report checks for past fuel, oil, or solvent use. Second, the tenant's lease: how long it runs and whether the bays, lifts, and paint booths would suit another operator if the tenant ever left. Terms typically run 5 to 30 years, with 30 year loans available, and maximum LTV is typically 75%. Buildings leased to national brands like Caliber Collision and Jiffy Lube have their own terms, with no prepayment penalty, on our Auto Service NNN Loans page.
These are typical commercial DSCR terms for this property type. Your quote depends on the building.
Strip centers, standalone retail, and neighborhood commercial with tenant income.
Medical office, professional, and multi tenant office with stabilized leases.
Warehouse, flex, and light industrial with business or logistics tenants.
Childcare and daycare buildings with a lease or operating income.
Stabilized self storage with consistent occupancy and rental income.
Stabilized residential assisted living assets.
Share the property. We will send back terms in plain language.
