By Trevor Damyan, Commercial Mortgage Broker at Commercial Lending Solutions
A $5 million industrial acquisition in the Inland Empire (Riverside-San Bernardino) is one of the highest-velocity industrial deal sizes in the country. The Inland Empire is one of the largest logistics and distribution markets in the United States, with sub-3 percent vacancy on stabilized industrial and active acquisition flow from owner-operators, investor syndicates, and institutional capital. Most $5M IE industrial acquisitions fund through bank balance sheet, life co relationship lenders, CMBS conduits at the smaller end of their pool sizing, or SBA 504 for owner-occupants.
Get a Quote on Your $5M Deal →$5M Inland Empire industrial acquisitions typically fund as a single senior loan. The choice depends on whether the buyer is an owner-occupant (SBA 504 favored at 90 percent LTC) or an investor (bank, life co, or CMBS at 65 to 75 percent LTV).
Pricing reflects active CLS CRE quote pipeline as of April 2026. Specific deal pricing depends on sponsor, property, and structure.
Typical $5M IE industrial acquisitions split between owner-occupants (small to mid-market manufacturers, distributors, contractors expanding from leased facilities) and investors (private capital and family office syndicates with 5 to 50 industrial properties). Investor sponsor profiles typically have $5M to $25M net worth and target stabilized 1.20x to 1.30x DSCR with 65 to 75 percent leverage. Owner-occupants typically use SBA 504 at 90 percent LTC to acquire facilities for their own operating business.
On a $5.4M acquisition of a stabilized 38,000 square foot industrial flex building in Ontario, CA, leased to two industrial tenants on long-term triple-net leases with 8 years of weighted average remaining lease term, the investor sponsor financed through CMBS at 6.85 percent fixed 10-year, 68 percent LTV, $3.7M loan amount, with full defeasance prepayment and standard CMBS pool servicing. Tenant credit was strong (one investment-grade national tenant on a long lease), the building was Class B mid-1990s vintage with stabilized occupancy at 100 percent, and the sponsor's institutional capital partner required non-recourse execution.
Anonymized. All deal references protect borrower and lender identity.
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