What is Owner-User Property?
An owner-user property is commercial real estate bought by a business to operate from rather than to lease out as an investment. Owning instead of renting can stabilize occupancy costs, build equity, and may qualify for favorable financing like SBA loans. The trade-off is the capital and responsibility of ownership.
Example: A dental practice buys a small medical office as an owner-user, occupying it themselves and building equity instead of paying a landlord rent each month.