Mixed-Use Commercial Real Estate Loan Programs Mixed-use commercial loans are designed for properties that combine residential and commercial space within the same building. These properties commonly include storefronts with apartments above, office/retail with residential units, or other multi-purpose configurations. Because mixed-use properties generate income from multiple sources, financing requires specialized underwriting and lenders experienced with this asset class.
What Is Considered a Mixed-Use Property? A property is typically classified as mixed-use if it includes: Retail or office space on the ground floor with residential units above Medical, professional, or commercial space combined with apartments A blend of commercial tenants and residential rentals The percentage of commercial vs residential space impacts loan structure and eligibility.
Who Are These Loans For? Mixed-use loans are ideal for: Investors purchasing income-producing properties Business owners occupying part of the property Owners refinancing existing mixed-use buildings Buyers seeking long-term cash-flow assets Developers repositioning mixed-use properties
How Mixed-Use Loans Are Evaluated Approval is typically based on: Rental income from both residential and commercial units Property expenses and Debt Service Coverage Ratio (DSCR) Borrower and business financial strength Tenant mix and lease stability Property location and market demand
Key Benefits Financing tailored to income-producing properties Options for purchase, refinance, or cash-out Available for investor and owner-occupied scenarios Scalable solutions for growing portfolios Access to long-term financing options
What to Expect Mixed-use commercial loans typically require: Rent rolls and lease agreements Property financials and operating statements Appraisal and property condition review Larger down payment compared to residential loans Business financials (if owner-occupied)