Ariane, it depends on the segment of commercial and your investment return expectations. For example, retail is doing particularly poor as many leasees are going out of business and therefore lease income is diminished. Another segment, storage facilities, seem to be doing well. Commercial lending is quite different from residential. The buyer needs to qualify for the loan but more importantly the property/business needs to "qualify" for the loan. The lender takes into account the ability for the property to make money to cover the mortgage. If you are buying a property in conjunction with starting/continuing an owner-occupied business then an SBA (Small Business Admin.) is a possibility and that has some other underwriting criteria.
If you would like to discuss further, please contact me.
John A. Brassner, Realtor, MBA