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Everybody wants to know where the pain is. Fair question. Heres the short answer: if you line up the big metros by how much of their commercial mortgage debt is in trouble, two names keep showing up near the top. On the West Coast it’s San Francisco. On the East Coast it’s Philadelphia. Different stories,...Read More
Rates went the wrong way this fall. Many borrowers planned for 2026 around cuts, but the Federal Reserve raised its benchmark on September 16 for the first time since July 2023. The 10-year Treasury, which matters even more for how commercial loans get priced, closed at 5.00% on October 23 after hitting its highest level...Read More
Data current as of October 22, 2026. Covers the greater Sacramento region: Sacramento, Placer, El Dorado, and Yolo Counties. Rates move weekly, so re-check them before you sign anything. On July 1, California called most of its state workforce back to the office four days a week. In the first ten days, downtown foot traffic...Read More
SBA 504 Industrial Loans in the Inland Empire: The 2026 Buy-vs-Lease Math for Owner-Users Data current as of October 17, 2026. Covers owner-occupied industrial property in Riverside and San Bernardino Counties. Rates move monthly, so re-check them before you sign anything. An Inland Empire SBA 504 loan closed this quarter carries a fixed rate just...Read More
Data current as of September 26, 2026. Covers Los Angeles County, Orange County, and the Inland Empire (Riverside and San Bernardino Counties). The Fed raised rates on September 16. First hike since 2023. Nine days later, the 10-year Treasury closed at 5.17%, the highest level since 2007. That’s the backdrop for the Los Angeles commercial...Read More
Every September, we sit down and look at the whole country. Not just LA. Not just California. Because a lot of our borrowers own property in more than one state now, and lenders price every market a little differently. So here’s the 2026 version. A national U.S. commercial mortgage market analysis, and the three metros...Read More
I get asked about San Diego more than any other California market outside of LA right now, and the questions are almost always about two property types. Industrial, because everybody read the headlines about Otay Mesa and wants to know if the party is over. And medical office, because it is quietly the best-performing commercial...Read More
We’ve been financing commercial property up and down this coastline for thirty years, and I can tell you 2026 is one of the strangest markets I’ve ever seen. Not bad. Strange. You got office towers in Santa Monica sitting roughly a third empty while a warehouse in Torrance leases half a million square feet to...Read More
Everybody asks which markets are biggest. Wrong question. Sort the most recent city-level investment data by growth rather than size, and the whole list rearranges itself. San Francisco volume up 150% year over year. Chicago up 96%. Atlanta up 91%. Washington D.C. managed 23%, New York 21% — respectable, but nowhere near the top of...Read More
Financial Compound has been placing commercial debt since 1996, and I’ll give it to you straight — the San Francisco office file that lands on my desk in 2026 isn’t a purchase, and it isn’t really a refinance either. It’s a negotiation. The borrower doesn’t need a rate quote. He needs to know what happens...Read More
California Bridge Loan Rates in 2026: What You’ll Really Pay, and How to Qualify California bridge loan rates in mid-2026 are running anywhere from the mid-6s to north of 11%, and the gap between those two numbers is the whole ballgame. Same state, same month, same product name. What changes is the deal, the sponsor,...Read More
Bay Area commercial mortgage maturities are the single biggest story in Northern California real estate this year, and most borrowers are still treating it like somebody else’s problem. It’s not. If you own commercial property in San Francisco, Oakland, San Jose, or anywhere in between, and your loan was written between 2015 and 2021, there...Read More