Key Takeaways
- T visa holders can purchase commercial real estate through private lenders
- SBA 504 loans now require US citizenship — private lending fills the gap
- Commercial property eliminates lease volatility and builds generational equity
- Bankable funds property purchases from $150K to $2M based on business revenue
- Check your Bankability Score to see your commercial property options
For T visa entrepreneurs, buying commercial property represents one of the most powerful milestones on the path to financial independence. Owning the building where you operate eliminates landlord risk, builds equity, and creates a generational asset. As of March 2026, SBA commercial real estate loans now require 100% US citizen ownership — but Bankable's private lending network has no such restriction.
Why Commercial Property Ownership Matters
- Eliminate rent increases that erode profit margins year after year
- Build equity that increases your personal net worth and borrowing capacity
- Create rental income by leasing space to other tenants in your building
- Establish permanence and credibility with customers and suppliers
- Pass a business asset — not just a business — to future generations
Types of Commercial Property T Visa Holders Finance
- Retail Storefronts: Purchase the space where your restaurant, salon, or retail business operates.
- Office Buildings: Own your professional services firm's office or a multi-tenant professional building.
- Warehouse & Industrial: Manufacturing, logistics, and distribution facilities for operational and rental income.
- Mixed-Use Properties: Commercial street-level space with residential units above — dual income streams.
- Multi-Tenant Retail: Strip centers and small shopping plazas as investment properties.
The Private Lending Advantage in 2026
Since the SBA's March 2026 rule change requiring 100% US citizen ownership for 504 loans, T visa holders no longer qualify for government-backed commercial real estate financing. Bankable's private commercial lending partners evaluate your business revenue, property income potential, and down payment — not your visa status. See SBA alternatives and check your Bankability Score to get started.
Commercial Real Estate Loan
Fixed-rate commercial mortgages for owner-occupied and investment properties.
Apply Now →SBA Alternatives
Private equivalents to SBA 504 — same outcomes without citizenship requirements.
Learn More →Frequently Asked Questions
Yes. There are no immigration-based restrictions on T visa holders purchasing commercial real estate. The 2026 SBA rule affects government-backed loans, not your legal right to own property.
Yes through private lenders. SBA 504 loans now require US citizenship as of March 2026, but Bankable's private commercial lending network has no such restriction. Qualification is based on business revenue, property income potential, and down payment.
Private commercial real estate loans typically require 20-25% down payment. The exact amount depends on property type, location, and your business revenue profile.
Retail, office, warehouse, industrial, mixed-use, and multi-tenant properties all qualify. Owner-occupied properties (where your business operates) typically receive the most favorable terms.
Rental income from tenants in the property you purchase counts toward your qualification. Multi-tenant properties where your business occupies one unit and tenants cover the mortgage on the rest are particularly strong applications.
Private commercial real estate rates range from 7-12% depending on property type, LTV ratio, your business revenue, and market conditions. Rates have been elevated since 2023 but remain viable for strong revenue businesses.
Yes. Private commercial lenders evaluate your business income, not just personal income. Strong business revenue demonstrates your ability to service the commercial mortgage payment.
Private commercial loans close in 3-6 weeks. Bridge loans can close in 1-2 weeks. Bankable's initial decision comes within 48 hours of application.