RPA Commercial Loans
📞
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SPECIALTY-USE PROPERTIES

Specialty-Use Property Financing

Most lenders pass on specialty-use properties. We don't. Car washes, cannabis, marinas, data centers, airports, entertainment venues, if it generates income, we can find financing.

Specialty Property Types We Finance

We have lender relationships specifically for these hard-to-place asset classes.

🚗

Car Washes

Express, full-service, and self-serve car wash facilities. Equipment-heavy deals underwritten on cash flow and operator experience.

⛽

Gas Stations / C-Stores

Fueling stations with or without convenience stores. Environmental liability is key, Phase I ESA required.

⚓

Marinas & Boat Storage

Wet slips, dry stack storage, and marine service yards. Seasonal income is normalized over full-year underwriting.

🖥️

Data Centers & Tech Facilities

Colocation, edge computing, and telecom facilities. Power capacity and cooling infrastructure drive value.

🌿

Cannabis Properties

Dispensaries, cultivation, processing, and distribution facilities in licensed states. Specialized lender network required.

✈️

Airports & FBOs

General aviation airports, FBOs, and hangar facilities. FAA compliance and long-term ground lease structures common.

⛳

Golf Courses & Recreational

Golf courses, racquet clubs, fitness facilities, and entertainment venues. Revenue and membership trends drive approval.

🎰

Entertainment & Gaming

Bowling alleys, entertainment centers, arcades, and gaming-adjacent properties requiring specialized underwriting.

🏥

Medical / Veterinary Facilities

Medical offices, surgery centers, veterinary clinics, and dialysis centers. Tenant creditworthiness is a major factor.

⛪

Religious Facilities

Churches, mosques, synagogues, and faith-based organizations. Community lenders and specialized programs available.

🏫

Schools & Daycare Centers

Private schools, charter schools, and childcare facilities. State licensure and enrollment trends are key underwriting factors.

🏨

Boutique Hotels & Motels

Independent and boutique hospitality properties outside flagged hotel programs. RevPAR and ADR trends drive approval.

Lender Sources by Situation

Lender Type
Hard Money & Private Lenders
Best For
Fast close, no seasoning, unique properties, credit-challenged borrowers
Note
Higher rates (9 to 14%), shorter terms
Lender Type
Debt Funds & Bridge Lenders
Best For
Value-add, transitional assets, lease-up situations, larger deals
Note
Floating rate, 2 to 3 year term typical
Lender Type
Community Banks / Credit Unions
Best For
Strong local operators with relationships, established cash flow
Note
May require personal guarantee, geographic limits
Lender Type
SBA 7(a) Programs
Best For
Owner-user specialty properties (car wash, gas station, daycare, etc.)
Note
Up to $5M, must be owner-operated
Lender Type
CMBS Conduit Lenders
Best For
Larger stabilized specialty assets with strong NOI and national tenants
Note
Strict prepayment, securitization requirements

Frequently Asked Questions

Answers to the most common questions about this loan program. Don't see your question? Call us at (844) 250-5626.

Have a Specialty Property? Let's Talk.

Our lender network includes specialty-use experts who understand your asset class. Submit your deal and we'll match you with the right capital source.

Have a question?

I'm Robert, your RPA assistant. Ask me about loan programs, applications, or partner onboarding.