MIXED-USE PROPERTIES
Mixed-use properties combine residential and commercial spaces within a single building. They offer diversified income streams, strong tenant demand, and the opportunity to maximize cash flow—all under one roof. For experienced investors, mixed-use assets are a powerful way to scale returns.
WHY INVESTORS CHOOSE MIXED-USE PROPERTIES
Multiple Income Streams
Residential and commercial rents working together.
Higher Cash Flow Potential
Commercial leases often produce stronger returns.
Reduced Vacancy Risk
If one unit is vacant, others continue generating income.
Urban & Growth-Market Demand
Popular in city centers and high-traffic locations.
KEY PROPERTY FEATURES
- Combination of residential and commercial units
- Typically retail, office, or service space on the ground floor
- Apartments or residential units above
- Separate tenant types and lease structures
- Strong foot traffic and visibility (location dependent)
- Ideal for cash-flow-focused investors
WHO THIS IS IDEAL FOR
Experienced Real Estate Investors
Looking to increase yield and diversify income.
Portfolio Builders
Seeking assets that outperform traditional residential properties.
Investors in Urban or High-Traffic Areas
Where mixed-use demand is consistently strong.
Borrowers Comfortable With Commercial Elements
Who want higher upside in exchange for slightly more complexity.
SAMPLE DEALS
Proven Results Across Multi-Family Assets
Retail + Residential Acquisition
$1,150,000
Property Type: Mixed-Use (Retail + 4 Apartments)
Loan Type: DSCR
LTV: 70%
Monthly Gross Income: $14,800
Value-Add Mixed-Use
$780,000
- Property Type: Storefront + 3 Residential Units
- Rehab Budget: $120,000
- Loan Type: Bridge → Long-Term Refi
Portfolio Expansion
$2,400,000
Property Type: Two Mixed-Use Buildings
Loan Type: Portfolio Loan
Ground-Up Mixed-Use Development
$3,200,000
Property Type: Mixed-Use (Retail + Residential)
Loan Type: Construction → Permanent Financing
Loan Amount: 75% of total project cost
QUICK QUALIFICATION CHECKLIST
- Property includes residential + commercial units
- Commercial space does not exceed lender limits
- Strong combined rental income
- Property located in a viable market
- Clear lease terms for commercial tenants
- Ability to close within 14–30 days
- Entity or personal ownership acceptable
HOW WE FINANCE MIXED-USE PROPERTIES
We provide flexible lending solutions designed specifically for mixed-use investments, including:
DSCR Loans (based on total property income)
Bridge Loans for acquisitions or repositioning
Fix & Hold / Value-Add Loans
Portfolio Loans for multiple properties
Long-Term Rental / Hybrid Loans
We evaluate the property as a whole—focusing on income, location, and upside.
READY TO FUND A MIXED-USE PROPERTY?
Mixed-use investments require a lender who understands both residential and commercial dynamics. Our team structures financing that aligns with your income strategy and growth goals.
FREQUENTLY ASKED QUESTIONS
Most programs allow up to 40–50% commercial use, depending on the lender.
They require more review, but strong income and location make approval straightforward.
Yes, especially for value-add or repositioning strategies.
Yes. We analyze both residential and commercial rent together.
Absolutely—cash-out and rate-term refinances are available.
Most programs start around 660, but deal strength matters more than just score.
Yes. LLC ownership is common for mixed-use assets.
Some long-term loans include them; bridge loans usually do not.
Yes, with a few state exceptions.
Complete the pre-approval form and we’ll review your deal within hours.
