20 Potential options for buying Commercial Real Estate with No Money Down

Here are 20 potential options to consider for buying commercial real estate with no money down.

1. 1. Seller Financing: This involves the seller financing part of or the entire purchase price. You make payments to the seller rather than a bank, eliminating the need for a down payment.
2. 2. Joint Venture: Partner with an investor or group of investors who will provide the down payment in exchange for a share of ownership and profits.
3. 3. Private Money: Private lenders can provide the necessary funds to buy commercial real estate with no money down in exchange for higher interest rates and fees.
4. 4. Master Lease: You lease the property from the owner, and then sublease it to tenants at a higher rate. This allows you to generate revenue without needing a down payment.
5. 5. Bridge Financing: Short-term financing that allows you to close on the property while seeking more permanent financing.
6. 6. Hard Money Loans: These loans are based on the property’s value rather than your creditworthiness, allowing you to secure financing with no money down.
7. 7. Equity Share: You exchange a share of the ownership for the down payment amount.
8. 8. Purchase Option: An agreement that allows you to control the property for a set period of time while you secure financing.
9. 9. SBA 7(a) Loan: This loan program can provide up to 90% financing for commercial real estate purchases.
10. 10. Small Business Investment Companies (SBICs): These are privately owned companies that provide financing to small businesses, including commercial real estate purchases.
11. 11. Owner-Occupied Financing: If you plan to use the property for your own business, you may be able to secure financing with little to no money down.
12. 12. Crowdfunding: You can leverage online crowdfunding platforms to raise the necessary funds from investors.
13. 13. Commercial Real Estate Partnerships: Partner with an experienced commercial real estate investor to acquire the property with no money down.
14. 14. Lease-To-Own: You lease the property with the option to purchase it at a later date, with a portion of your lease payments going towards the down payment.
15. 15. Government Programs: Some government programs, such as the USDA Business and Industry Loan Guarantee Program, offer financing options for commercial real estate purchases with no money down.
16. 16. Exchange of Services: You offer your services to the seller in exchange for the down payment.
17. 17. Seller Carryback: Similar to seller financing, the seller carries the loan on the property and you make payments directly to them.
18. 18. Subordination: You take out a second mortgage on the property, effectively using the first mortgage as the down payment.
19. 19. Friends and Family: You can seek funds from friends and family who are willing to invest in the property with you.
20. 20. Business Credit: You may be able to secure financing for the down payment using your business credit score and history.