Joe DownsCEO & Co-Founder, Belrose Storage Group. Founder, Storage Moguls.

Down Payments in Commercial Real Estate_ It's Not Always 20_!

9 Feb 2026 · 1 min

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In this video, the presenter explains that commercial real‑estate down payments can vary widely—from as low as 10% to 30% or more—depending on the loan type and the lender’s assessment of risk. Understanding this range is essential for efficiently structuring a capital stack. The episode promises to break down the three primary tiers of down‑payment requirements and discuss how each tier influences an investor’s strategy.

The amount required can swing wildly from as low as 10% to as high as 30% or more. And this range depends entirely on the type of loan you pursue and the lender's perception of the deal's risk. So understanding this spectrum is key to structuring your capital stack efficiently. In this episode, we're going to break down the 3 main tiers of down payment requirements and what each one means for your investment strategy. So let's start by looking at the Full spectrum of down payments you will encounter in the market.