Mixed-Use Property Financing
Flexible loans for properties combining commercial and residential.
Mixed-Use Loan Advantages
Multiple Income Streams
Combine residential and commercial rents for stronger cash flow and qualification.
Flexible Underwriting
We analyze both residential and commercial components to maximize your borrowing power.
Various Loan Programs
Conventional, SBA, and portfolio lending options depending on the property mix.
Up to 75% LTV
Competitive leverage ratios for well-located mixed-use properties.
Owner-Occupied Options
Live above your business and benefit from owner-occupied lending terms.
Value-Add Potential
Finance renovations that increase both residential and commercial rental income.
Properties with both commercial and residential spaces, typically retail or office on the ground floor with apartments above.
Appraisers consider both the commercial income approach and residential comparable sales. The dominant use often determines the primary valuation method.
Yes, if your business will occupy at least 51% of the commercial space. SBA 504 and 7(a) programs both accommodate mixed-use.
The property must be properly zoned for mixed-use. We recommend confirming zoning before pursuing financing to avoid delays.
Ready to Finance Mixed-Use Property?
Get pre-approved for your mixed-use investment today.