CMBS Loans in Sacramento, CA
Find lenders offering cmbs loans in the Sacramento, including Roseville, Elk Grove, Folsom, and surrounding areas. Compare rates, terms, and programs from 13 lenders.
Which CMBS lenders serve Sacramento?
13 lenders offering cmbs loans in the Sacramento, CA area.
Wells Fargo
LocalSan Francisco, CA
Top commercial real estate lender. CMBS, balance sheet, agency, and SBA lending across all property types.
Arbor Realty Trust
Uniondale, NY
Major CRE lender and REIT. Bridge, permanent, and agency financing. Specializes in multifamily and commercial properties.
Barclays
New York, NY
Active CMBS conduit originator. Commercial mortgage-backed securities for large CRE deals.
CBRE Capital Markets
Dallas, TX
Global CRE services and capital markets. Arranges debt and equity for all commercial property types.
Citigroup
New York, NY
Major CMBS conduit originator. Commercial mortgage lending for institutional-quality properties.
Deutsche Bank
New York, NY
Major CMBS originator. Large-scale commercial real estate debt and securitization.
Goldman Sachs
New York, NY
Major CMBS conduit originator. Large-scale commercial mortgage financing and mezzanine debt.
Janover
Boca Raton, FL
Commercial loan marketplace connecting borrowers with lenders. Multifamily and commercial property debt. Growing platform with competitive terms.
JLL Capital Markets
Chicago, IL
Global commercial real estate services firm. Debt placement, equity advisory, and investment sales across all property types.
JPMorgan Chase
New York, NY
Major CMBS originator and commercial lender. Full range of CRE financing including conduit, agency, and balance sheet.
Morgan Stanley
New York, NY
Top CMBS originator. Large commercial real estate lending and securitization.
Newmark
New York, NY
Major CRE advisory firm offering debt and structured finance, investment sales, and capital markets services.
Northmarq
Minneapolis, MN
Full-service commercial real estate debt and equity platform. One of the largest privately held CRE finance firms in the US.
What does the Sacramento commercial real estate market look like?
Sacramento's CRE market is anchored by California state government, which occupies millions of square feet of office space in and around the Capitol Mall corridor, and by major healthcare systems including UC Davis Medical Center and Sutter Health. The Natomas submarket north of downtown has become a preferred location for corporate office campuses, while the Roseville-Rocklin corridor along I-80 is the primary suburban retail and office growth area. The downtown core has seen notable investment in mixed-use projects, particularly around the Golden 1 Center arena in the Downtown Commons (DOCO) district. The emergence of Sacramento as an affordable alternative to Bay Area markets has attracted tech companies and remote workers, pushing multifamily and office demand upward.
Key Economic Drivers
- ●California state government operations and extensive contractor ecosystem
- ●UC Davis Medical Center and Sutter Health hospital systems
- ●Intel Folsom campus and growing tech sector presence
- ●Golden 1 Center arena and Downtown Commons mixed-use development
Market Insight
Sacramento's median commercial lease rates run approximately 40-50% below San Francisco's, and the region has attracted Bay Area companies seeking lower occupancy costs while maintaining proximity to Northern California's talent base via the Capitol Corridor Amtrak route.
How do cmbs loans work in Sacramento, California?
Commercial Mortgage-Backed Securities (CMBS) loans are commercial mortgages that are pooled together and sold as bonds to investors. They offer competitive rates and non-recourse terms for larger stabilized properties, typically $2M and above. In the Sacramento metro area, borrowers can access 13 lenders offering CMBS financing, including Roseville, Elk Grove, Folsom, and surrounding areas. Loan amounts typically range from $2M to $500M with rates from 5.5% - 8%.
Who should consider cmbs loans?
- Large stabilized properties
- Borrowers wanting non-recourse
- Properties in major markets
- Long-term investors
What are the key requirements?
- Stabilized property
- DSCR ≥ 1.25
- LTV ≤ 75%
- Property in acceptable market
- No major deferred maintenance
Advantages
- ✓Non-recourse (no personal guarantee)
- ✓Competitive rates
- ✓Higher leverage possible
- ✓Rate lock at application
Considerations
- •Inflexible after closing
- •Expensive prepayment (defeasance/yield maintenance)
- •Cannot modify property or lease without servicer approval
- •Minimum loan size $2M+
CMBS Loans in Sacramento FAQ
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