An owner-occupied commercial property loan is a mortgage product offered by various lenders to businesses to acquire or refinance property they intend to occupy for their own operations. Typically, a property is considered "owner-occupied" if the business occupies at least 51% of the available square footage. These loans are a common financing tool for small and medium-sized enterprises (SMEs) to control their real estate costs, build equity, and secure a stable location. Lenders often view these loans as less risky than non-owner-occupied (investment) properties because the borrower's business success is directly tied to the property.

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