Best possible rate? On owner occupant commercial property with strong financials.
I am purchasing a commercial property and I am holding it in Real Estate Holding company.  I am going to have to get a conventional loan.  I can put 20% down, it is an owner occupant in NC.  I am assuming my best possible interest rate is 5% but maybe that is unattainable.  Please provide advise on the best rate I should be looking for. Any advice would be greatly appreciated.  The property is 11,000 sq.ft.
[{"id": "imil787", "text": "You should be able to get low 5% (like 5.15-5.3) but you may need to put 30% down.  Good luck and congrats!", "replies": [], "depth": 1}, {"id": "imio4v9", "text": "I work in commercial lending at a regional bank, 22 states, 85% LTV, and our current rates for a request like this are:\n\n5/20 \u2014 5.30%\n10/20 \u2014 5.75%\n15/15 \u2014 5.75%\n\nWe have a local credit union running a promotion for 3.75% on a 5/20, 75% LTV\n\nI give you this only as information to base your math on.", "replies": [{"id": "imkkhqq", "text": "What is the name of that credit union", "replies": [{"id": "iml5e2g", "text": "Suncoast Credit Union, but it\u2019s only in FL.  I would imagine a larger credit union that operates in NC would have something they might be able to offer.\n\nDo keep in mind that we expect interest rates to be raised by the FED soon.  I would think some institutions already have that baked into their pricing, but we do expect between .50% and .75% increase on the Fed rate within the next two weeks.", "replies": [], "depth": 3}], "depth": 2}], "depth": 1}]