Medical Office Financing

Medical Office Financing for Healthcare Real Estate Investors

Medical office financing covers acquisition, construction, and refinancing of medical office buildings (MOBs), surgery centers, urgent care facilities, and outpatient healthcare campuses. Medical office has emerged as one of the most resilient commercial real estate asset classes due to the non-discretionary nature of healthcare demand and the credit quality of medical tenant leases. Minimum loan size is $1 million, with strong lender appetite from life companies, CMBS, and SBA programs for owner-occupied facilities.

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Key Features

Medical Office Financing at a Glance

Loan Amount

$1M - $50M+

Term

5 - 25 Years

Rates

5.25% - 8.50%

Ltv

Up to 75% LTV

Structure

Fixed-Rate Permanent or SBA 504 Owner-Occupied

Recourse

Non-Recourse Available (CMBS, Life Company)

Overview

Financing for Medical Office Buildings and Healthcare Real Estate

Medical office buildings represent a convergence of real estate and healthcare fundamentals that makes them uniquely attractive to lenders and investors. Long lease terms (10 to 20 years) with credit healthcare system tenants, high tenant improvement buildout costs that create switching cost stickiness, and the non-cyclical nature of healthcare demand all support tight cap rates (4.5-6.5% in primary markets) and strong lender appetite. On-campus and near-campus hospital-affiliated MOBs command the best financing terms; off-campus single-tenant and multi-tenant medical office is also broadly lendable. SBA 504 is a compelling source for physician groups and healthcare operators purchasing their own buildings, offering long-term fixed-rate owner-occupied financing.

Lender Sources

Life Insurance Companies
CMBS Conduits
SBA 504 and 7(a)
Banks
Debt Funds

Ideal For

On-campus and near-campus hospital-affiliated medical office building acquisitions
Multi-tenant medical office buildings with long-term healthcare tenant leases
Surgery center and outpatient clinic acquisitions and refinancing
Physician group owner-occupied purchases using SBA 504
Medical office ground-up construction anchored by health system tenants
Urgent care, dialysis, and specialty clinic portfolio financing

Medical Office Financing by City

Los Angeles, CA

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San Francisco, CA

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Minneapolis, MN

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Salt Lake City, UT

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San Antonio, TX

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Kansas City, MO

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Indianapolis, IN

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Philadelphia, PA

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Washington DC, DC

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Jacksonville, FL

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Oklahoma City, OK

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Virginia Beach, VA

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New Orleans, LA

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Albuquerque, NM

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Fort Lauderdale, FL

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West Palm Beach, FL

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Colorado Springs, CO

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Grand Rapids, MI

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Bakersfield, CA

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Oxnard-Ventura, CA

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Baton Rouge, LA

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Little Rock, AR

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Winston-Salem, NC

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Chattanooga, TN

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Fayetteville, NC

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Myrtle Beach, SC

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Charlottesville, VA

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Fredericksburg, VA

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Springfield, MA

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Daytona Beach, FL

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Springfield, MO

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Sioux Falls, SD

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Cedar Rapids, IA

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Champaign-Urbana, IL

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Corpus Christi, TX

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Brownsville, TX

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Santa Barbara, CA

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San Luis Obispo, CA

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Palm Springs, CA

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Victorville, CA

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Great Falls, MT

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Idaho Falls, ID

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Hattiesburg, MS

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Fredericksburg, TX

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Atlantic City, NJ

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State College, PA

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Clarksville, TN

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Johnson City, TN

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Bowling Green, KY

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Hilton Head Island, SC

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Poughkeepsie, NY

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Springfield, IL

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Bloomington, IL

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Jersey City, NJ

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FAQ

Medical Office Financing FAQ

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