Buy or Lease? Deciding Whether to Own the Building Your Business Occupies

​You are personally invited to Buy or Lease?, a session in our Family-Owned Commercial Real Estate Learning Series, for business owners who lease today and want a clear way to evaluate ownership.

​Most owners approach this decision by comparing a rent number to a mortgage payment. That comparison misses most of what matters. This session walks through the full analysis, from occupancy cost to financing structure to the timeline a purchase actually requires.

​This invite-only learning event will cover:

• ​The four levels of occupancy cost, and why rent is only the first

• ​The real reasons to own, and the real reasons not to

• ​Building the own-versus-lease comparison: purchase price, down payment, debt service, taxes, and what you actually keep

• ​SBA 504 versus conventional financing, and which fits which business

• ​Three ownership structures: occupy it all, occupy part and lease the rest, or build to suit

• ​The 18-month and 12-month checklists for a business that might buy

• ​How an owner-user purchase works from offer to close

• ​Case studies of San Diego businesses that bought, and a few that were right to keep leasing

​Who should attend. Owners of established businesses, typically 12 to 30 months ahead of a lease expiration.

​This is not a networking or referral event, and attendees will not be solicited.