Mixed-Use Loans

What This Program Is

Mixed-Use Loans are built for properties with both commercial and residential uses and require lender review of the property composition, lease profile, and marketability.

Best For

• Investors buying neighborhood mixed-use assets
• Borrowers refinancing stabilized mixed-use properties
• Operators repositioning underperforming mixed-use buildings
• Commercial investors seeking flexible financing options

Program Highlights

• Property Types: Storefront with apartments, live-work configurations, and other mixed-use properties subject to lender guidelines
• Use Cases: Purchase, refinance, and cash-out opportunities
• Qualification Focus: Tenant mix, income stability, property condition, and borrower experience
• Occupancy Mix: Commercial-to-residential ratio matters
• Execution: Often requires lender matching based on the asset profile

Common Documents Requested

• Rent roll and lease summary
• Income and expense statements
• Property summary with unit mix
• Borrower experience or portfolio summary
• Purchase contract or current loan statement

Program availability, leverage, rates, terms, and documentation requirements vary based on property type, borrower profile, transaction structure, and lender guidelines.