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Commercial DSCR

Office
DSCR Loans.

Buy, refinance, or take cash out of a medical, professional, or multi-tenant office building. Medical and professional tenants with real build-out tend to stay put, and the loan gives them credit for it.

Get a QuoteSee typical terms
Typical terms
$500K
Min loan
$10M+
Max loan
75%
Maximum LTV
30 yr
Loans available
0.9 DSCR from $500K to $3M, so you can often borrow more
Purchase, refinance, and cash out
Medical, professional, and multi-tenant office
How it works

See how
Office DSCR works

Office DSCR covers medical office, professional office, and multi-tenant office buildings with stabilized leases. Not all office is the same. A dental practice that spent heavily on its build-out isn't going anywhere, and a building full of tenants like that is a very different loan from a half-empty general office building downtown.

The loan is based on the leases in place: who the tenants are, how long they've been there, how long they're signed for, and what they've invested in their space. Medical and professional office is the strongest fit. Terms typically run 5 to 30 years, with 30 year loans available, and maximum LTV is typically 75%.

  • Purchase a medical, dental, or professional office building
  • Refinance office debt, including a maturing bank loan
  • Take cash out typically up to 75% LTV on a stabilized building you own
See what you can typically borrow.
Share the address. We will confirm the fit and send back typical terms.
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Typical terms

Office DSCR terms

These are typical commercial DSCR terms for this property type. Your quote depends on the building.

Loan Amount
$500,000 to $10,000,000+Medical, professional, and multi-tenant office
Loan purpose
Purchase, rate-and-term, cash outYou can buy, refinance, or take cash out
Maximum LTV
75%Including purchase, refinance, and cash out
Loan Term
5 to 30 yearFor qualifying loans
Minimum DSCR
0.9From $500K to $3M. 1.25x on $3M+.
Min DSCR on loans of $3M+
1.25xWhen the loan is $3M or more, rent has to cover at least 125% of the payment.
Use
Medical and professional office are the strongest fit
Paperwork
No tax returns, in many casesWe qualify on the building, not your personal income
Property Seasoning
As low as 1 dayNo 6 month wait on most cash out loans
Build-out
Tenant improvements and medical build-out considered
Prepay
None to step-downSome loans of $1M and up have no prepayment penalty
Minimum occupancy
70%Lower considered case by case
Rollover
Upcoming lease expirations reviewed
Available in
35 statesAL, AK, AR, CO, CT, DE, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MS, MO, MT, NE, NH, NM, OH, OK, PA, SC, TN, TX, VA, WA, WV, WI, WY, DC. Very rural areas within these states may be restricted.

Larger stabilized building? Interest-only and non-recourse terms are available from $2M on Interest-Only Commercial Loans.

Want a number on a specific building?
These are typical ranges. Send the address and we will send back terms on your deal.
Get a Quote
Common questions

Office DSCR FAQ

Do office DSCR loans require tax returns?+
In many cases no. The loan is based on the leases and the property's income, not your personal tax returns.
Is medical office easier to finance than general office?+
Usually, yes. Medical and dental tenants invest heavily in their space and tend to renew, which makes the income steadier. General office is considered too, with a closer look at occupancy and lease terms. Metro Atlanta is one of the strongest medical office markets we see, with its own set of terms on our Metro Atlanta Medical Office Building Loans page. Dialysis clinics leased to DaVita and Fresenius have their own terms on our Dialysis and Medical NNN Loans page.
How does remote work affect office loans?+
It has made general office harder to finance in many markets. Buildings with medical, professional, or service tenants who need to be in the office are much less affected.
What if one tenant leases most of the building?+
That tenant's lease term and strength matter most. A long lease with a strong tenant supports the loan. A lease that ends soon after closing is weighed carefully.
Can I finance a building my own practice occupies?+
Yes. If your practice leases the building from a separate entity you own, the loan is based on that lease.
Do I need a full year of history after a lease-up?+
Not always. A signed lease and the tenant's rent payments since move-in help. If the building is still filling up, a bridge loan first may be the better fit.
My office building isn't leased up yet. What are my options?+
A bridge loan can carry the building while you lease it, then refinance into Office DSCR once it's stabilized. See Office Bridge Loans.
Where does Capituro offer office DSCR loans?+
In 35 states: Alabama, Alaska, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin, and Wyoming, plus Washington, DC. Very rural areas within these states may be restricted. Send the address and we will confirm whether your market and building fit.
Other property types

Other commercial DSCR types

All commercial DSCR
Multi-tenant strip center with storefronts and parking.
Retail

Strip centers, standalone retail, and neighborhood commercial with tenant income.

Single-story warehouse with loading docks and a truck court
Warehouse

Warehouse, flex, and light industrial with business or logistics tenants.

Single-story childcare center with a fenced playground
Daycare

Childcare and daycare buildings with a lease or operating income.

Self storage facility with rows of drive-up units and roll-up doors
Self storage

Stabilized self storage with consistent occupancy and rental income.

Mid-rise apartment buildings over ground-floor retail along a city street.
Mixed use

Retail or office below with residential above, and other blended income buildings.

Single-story residential assisted living home with a wheelchair ramp and garden
Assisted living

Stabilized residential assisted living assets.

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