Which of these statements is true about mortgage loans for income-producing real estate?

The correct statement about mortgage loans for income-producing real estate is that they usually are partially amortizing loans.

Partially amortizing loans offer a combination of a fixed schedule of payments over the loan term and a balloon payment at maturity. This structure is common in commercial real estate financing because it allows borrowers to manage cash flow more effectively while still benefiting from a predictable repayment plan for a portion of the principal.

In contrast, non-recourse loans are not a standard feature for all income-producing properties; they are more selectively used. Additionally, while some mortgage loans can indeed be interest-only loans, this is not a defining characteristic of all such loans. Fixed-rate loans are available but are not universally applicable; many income-producing loans can also come with variable rates. Hence, the predominant use of partially amortizing loans in this context makes the statement accurate.