You can rent out the remaining 49% of the building to other tenants, allowing you to generate rental income while using the SBA's favorable terms (low down payments and long fixed rates).

If you are building a new facility, the requirements are stricter: your business must occupy 60% of the space immediately and up to 80% over 10 years. 2. Alternative Business Loan Types for Investors

Securing a small business loan to purchase rental property is possible, but it differs significantly from a traditional residential mortgage. While standard small business loans (like SBA loans) generally prohibit financing properties used solely for passive rental income, there are specific "owner-occupied" exceptions and alternative commercial loan types designed for real estate investors. 1. Can You Use SBA Loans for Rental Property?

To qualify for an SBA 504 or 7(a) loan , your business must occupy at least 51% of the square footage in an existing building.

If you do not plan to occupy the property, you must look toward or specialized investor products. Small Business Loans for Rental Property - SoFi

The short answer is for pure investment properties, but yes if you use part of the building for your own business.