Washington DC Commercial Real Estate Financing

Washington DC is one of the most institutional commercial real estate markets in the United States, anchored by the federal government (the largest tenant in the country), a deep federal-contractor base, world-class hospital systems, and universities. The metro is also one of the most active workforce and affordable housing markets in the country, and Northern Virginia's data center corridor has grown into the largest concentration of data centers in the world.

Commercial Lending Solutions brings institutional-level financing to the Washington DC market through a network of over 1,000 capital sources, including HUD MAP-approved lenders, Fannie Mae DUS lenders, and Freddie Mac Optigo lenders. Whether you are refinancing workforce multifamily through HUD 223(f), building a ground-up apartment community with agency construction financing, or acquiring a data center in Ashburn, we deliver institutional execution with competitive terms.

Washington DC Market Highlights

Federal anchor: Federal government, federal contractors, and related professional services drive persistent Class A office demand across DC, Northern Virginia, and suburban Maryland
HUD and agency multifamily: DC is among the most active markets in the country for HUD 223(f), 221(d)(4), 223(a)(7), and Fannie Mae / Freddie Mac workforce housing execution
Institutional liquidity: DC's multifamily and office markets are among the most institutional in the country, with deep agency, life company, and CMBS lender competition on every deal
NoVA tech and defense: Northern Virginia data center alley, Amazon HQ2 in Arlington, and defense contractor tenancy drive industrial and office demand
Workforce and affordable housing: DC's strong focus on preservation and new-construction workforce housing creates a deep pipeline for LIHTC, HUD, and mixed-income financing

Key Washington DC Submarkets We Finance

Downtown DC / CBD / K Street, Class A office, hospitality, mixed-use
NoMa / Capitol Hill / Navy Yard, multifamily, mixed-use, Class A office
Georgetown / Dupont Circle, retail, multifamily, boutique office
Columbia Heights / Petworth / H Street NE, workforce housing, neighborhood retail, mixed-use
Arlington / Rosslyn / Crystal City, Class A office, Amazon HQ2-adjacent multifamily
Tysons / McLean / Reston, corporate office, multifamily, retail
Bethesda / Silver Spring / Rockville, medical office, multifamily, mixed-use
NoVA data center alley (Ashburn / Sterling / Manassas), data centers, industrial, flex

Loan Programs

Permanent Loans

5.50%, 7.50% | 5-30 yr terms

Long-term fixed and adjustable-rate financing for stabilized DC properties. Agency, CMBS, bank, life company, and credit union execution.

Bridge Loans

8.00%, 11.00% | 12-36 months

Short-term financing for DC acquisitions, value-add multifamily, and lease-up properties. Close in as little as 2-4 weeks.

Construction Loans

7.00%, 10.00% | 12-36 months

Ground-up construction for multifamily, industrial, and mixed-use projects across the Metroplex.

SBA 504 / 7(a)

5.75%, 6.75% | 25 yr terms

Owner-occupied commercial properties in DC. As little as 10% down with below-market fixed rates for qualifying businesses.

Mezzanine / Pref Equity

10%, 15% | Custom terms

Subordinate financing to reduce equity requirements on larger DC transactions. Bridge the gap between senior debt and your equity.

CMBS Loans

5.75%, 7.25% | 5-10 yr terms

Non-recourse conduit financing for larger DC commercial properties. Competitive fixed rates with higher leverage.

Property Types We Finance in DC

Multifamily

Industrial

Retail

Office

Mixed-Use

Hospitality

Self-Storage

Medical Office

Data Centers

Mobile Home Parks

How It Works

Tell Us About Your DC Deal

Fill out the form or call us with your property details, loan amount, and timeline. We respond within 24 hours.

We Shop Your Deal

We present your deal to lenders active in the Washington DC market and collect competing term sheets. You review and select the best option.

We Close Your Loan

We manage the full process, underwriting, appraisal, legal, title, and coordinate everything through funding.

The Commercial Lending Solutions Advantage

Access to 1,000+ lenders, banks, credit unions, life companies, CMBS, debt funds, and private lenders
Active lender relationships in the Washington DC and across District of Columbia
One application, multiple competing term sheets
No upfront fees, we only get paid when your loan closes
Institutional-level execution with personal, one-on-one service
Deep expertise across all major commercial property types and loan programs
Over $1 billion in commercial loans closed nationwide

Prefer to talk? Call the broker directly.

310.758.4042

Trevor Damyan · Mon-Fri 9am-5pm PT

Get Your DC Commercial Loan Quote

Fill out the form below. We respond within 24 hours.

First Name *

Last Name *

Email *

Phone *

Loan Amount

Property Type

Loan Type

Property Address *

Purpose

Deal Details

Or use our full application · Call 310.758.4042

FAQ

Washington DC Commercial Loan Questions

We finance all major commercial property types across the Washington DC market: multifamily apartments, industrial warehouses and distribution centers, retail centers, office buildings, mixed-use developments, hospitality properties, self-storage facilities, medical office, data centers, and mobile home parks. Our network of 1,000+ lenders includes many who are highly active in the District of Columbia market.

Absolutely. Northern Virginia's data center corridor centered on Ashburn, Sterling, and Manassas is the largest concentration of data centers in the world. We work with lenders who specialize in data center financing and understand the unique underwriting considerations around power infrastructure, tenant creditworthiness (hyperscalers, enterprise colocation, AI workloads), long-term lease structures, and mission-critical construction.

As of early 2026, commercial mortgage rates in DC vary by loan type: permanent loans range from approximately 5.50% to 7.50%, bridge loans from 8% to 11%, SBA 504 loans from 5.75% to 6.75%, and construction loans from 7% to 10%. Washington DC's strong fundamentals, population growth, job creation, and low vacancy, often help borrowers qualify for more competitive terms. Contact us for a rate quote specific to your deal.

Our headquarters are in Los Angeles, but we arrange commercial loans nationwide across all 50 states. DC is one of our most active markets. Our national lender network of 1,000+ sources includes numerous banks, life companies, and debt funds that are actively competing for Washington DC deals, which means we can often secure terms that a local broker with a smaller lender roster cannot.

No. There is no upfront cost for a consultation or loan quote. Our brokerage fee is earned at closing when your loan funds, meaning our interests are aligned with yours, we don't get paid unless you get financed.

Important Loan Disclosures

Representative Example: An $8,000,000 permanent commercial mortgage at a 6.75% fixed rate with a 10-year term and 30-year amortization would have an estimated monthly principal and interest payment of approximately $51,900. Total amount repayable over the 10-year term: approximately $6,228,000 (balloon balance due at maturity). This example is for illustrative purposes only; your actual rate, payment, and terms may differ.

Rate Range: Commercial mortgage rates currently range from approximately 5.85% to 7.50%, depending on loan type, property type, leverage, borrower qualifications, and market conditions at the time of funding.

Fees: Origination fees typically range from 0.5% to 2.0% of the loan amount. Additional costs may include appraisal ($3,000-$10,000), legal fees ($5,000-$15,000), title insurance, environmental reports, and third-party inspections. All fees will be disclosed in writing before loan commitment.

Loan Terms: Commercial mortgage terms range from 5 to 30 years with 25-30 year amortization schedules. Maximum loan-to-value (LTV) up to 75% for most programs. Loans may be recourse or non-recourse depending on the program and lender. Prepayment penalties may apply.

Risks: Commercial real estate loans carry inherent risks including but not limited to: property value decline, interest rate changes, inability to refinance at maturity, tenant vacancy, and potential loss of invested equity or the property itself. Borrowers should consult with qualified financial, legal, and tax advisors before committing to any loan.

Broker Disclosure: Commercial Lending Solutions (Commercial Lending Solutions) is a commercial mortgage brokerage, California DRE License #02244836. Commercial Lending Solutions does not make loans directly. All loans are originated and funded by third-party lenders. Commercial Lending Solutions receives compensation from the borrower, the lender, or both upon successful loan closing. Commercial Lending Solutions is not affiliated with or endorsed by any specific lender.

Commercial Mortgage Loans in Washington DC