Investment Property Rates – Commercial Mortgage Rates

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Commercial Loan Rates

Commercial loan interest rates are based off various indexes, most commonly, the Federal Prime Rate and 6-Month Libor. Commercial mortgage rates can move quickly with the market so many investors are constantly trying to stay on top of the most recent interest rates. ICS updates our commercial loan interest rates daily.

What Are the Current Commercial Loan Rates?

Currently commercial loan rates can vary depending on the loan product and property type. All commercial loan quotes depend on several underwriting factors including the property and borrower location, loan-to-value (LTV), debt service coverage ratio (DSCR), property usage (investment or owner-occupied), property type, and the borrower’s financial strength.

What are the Different Types of Commercial Loans?

There are many types of commercial loans available in the United States, and the type of loan that a borrower should consider depends on several factors including investment strategy, loan features, other properties in your portfolio, credit availability for future needs, any pertinent tax considerations, and future economic conditions. The main types of commercial loans that investors use are the following:


Conventional loans offered by FDIC-insured institutions such as banks or credit unions. They typically require a personal guarantee and an underwriting of the global cash flow of the guarantors, including personal and business tax returns. This loan product can be used for investment or owner-occupied properties.

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How it Works

Our Funding Process

Submit your loan request online and get an instant rate quote.

Schedule your intro phone call with an ICS Loan Advisor to discuss your loan in detail. A Senior Partner will structure your loan with you, including loan program, terms, and a suggested market rate that works for you.

ICS packages, underwrites, and presents your loan simultaneously to hundreds of institutional and private lenders nationwide.

Lenders compete to fund your loan at the suggested market rate and terms. Lenders will either meet, beat, or counter offer our proposed loan terms. ICS processes and funds your loan through the most competitive lender.

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As a direct correspondent lending company, we ensure timely closings and the most competitive commercial mortgage rates available through one single point of contact.


Prime Rate