Krijak,

There are community banks making loans on owner occupied commercial property all the time. Speculative stuff, not so much. Non-owner-occupied, depends on the market and end use. Office and retail space, forget it for now unless it is partially owner occupied.

Just like residential real estate now, there will be an overabundance of comercial rental space in the next 6 months. It will take a bit for that market to shake out. You can't just build it and hope "they" will come in this market.

Great time to use some cash to buy up some failing lots & projects if you have the cash and you can sit on it for a year or more.

Andy the banker - out.