Stop Paying Someone Else's Mortgage.

Every lease payment you make builds equity for someone else. Business owners on this corridor are buying their buildings — locking in their occupancy cost, building an asset, and positioning for a sale or lease-back when they're ready to exit. Here's what that decision actually looks like.

Question 1 of 3

What type of business do you operate?

Own Your Building Instead of Leasing It — What That Decision Actually Looks Like

The Buy vs. Lease Math

A $3,500/month lease payment over ten years is $420,000 — and you own nothing at the end of it. A $3,500/month mortgage payment over ten years builds equity, generates depreciation you can use against your taxable income, and leaves you with an asset you can sell, lease, or borrow against. The monthly number can be identical. The outcome is not.

SBA 504 — The Tool Most Business Owners Don't Use

The SBA 504 loan program allows owner-users to acquire commercial real estate with as little as 10% down. The structure: 50% conventional first mortgage, 40% SBA debenture, 10% borrower equity. Fixed rates on the SBA portion. It was designed exactly for this — a business owner who wants to own their building without tying up all their capital.

What's Available on This Corridor Right Now

SunAmerica Realty has direct ownership in downtown Dade City — including a 21,000 SF former dealership building available for sale or master lease. Repositionable asset at a basis well below replacement cost on the East Pasco main corridor. Owner-user, investor, or master tenant — the structure fits the buyer.

How to Evaluate a Building Before You Buy

Roof, HVAC, electrical panel age, and environmental history are the four items that blow up owner-user deals after the LOI. Get a Phase I environmental before you go hard on earnest money. These are not surprises — they're due diligence items. Know them before you negotiate price.

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