Pacific Enterprise Bank
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Loan Products

Investor Commercial Real Estate Loans

At Pacific Enterprise Bank, we provide loans for the purchase or refinance for a wide variety of Investor Commercial Real Estate(ICRE) types. ICRE can be a powerful tool, offering asset appreciation, tax benefits, equity leveraging, overhead control, etc. Pacific Enterprise Bank can finance ICRE under a variety of structures; one that is right for you.


  • Most income producing properties are eligible
  • Full amortization up to 25 years, or shorter term with a balloon
  • Loan to Value up to 75% for income producing commercial property, and up to 80% for income producing residential property
  • Minimum debt service coverage ratio of 1.25x (may vary according to property type and loan structure)
  • Fixed and floating rate pricing structures


  • Real Estate Purchase
  • Construction
  • Expansion/Improvement
  • Refinancing


For Inquiries:
Tobias Halbmaier

Phone: (949) 623-7585

Equal Housing LenderFDIC