RESIDENTIAL + COMMERCIAL, ONE LOAN

Mixed-use property loans: residential and commercial in one loan.

Investing in a mixed-use property diversifies your portfolio and creates multiple channels of revenue.

Mixed-use building with a storefront and apartments above

Financing for mixed-use buildings

Mixed-use properties are buildings zoned for multiple uses — residential and commercial — and most buildings with at least two units of differing use will qualify for our financing program.

We have extensive experience lending to investors of mixed-use properties and will help you see potential that other lenders may overlook.

Our flexible lending programs offer fast and easy loans based not on income, but on the value of your mixed-use property and its potential to generate income. Our experience evaluating the mix and value of your tenants helps secure the most favorable financing available.

  • Buildings with 2+ units of differing use (residential + commercial)
  • Financing based on property value, not personal income
  • Tenant mix and value factored into underwriting
  • Purchase or cash-out refinance

KEY LOAN FACTS

Loan amount$75,000 – $5,000,000
Max LTVUp to 75%
Term30-year fixed, adjustable, or interest-only
AmortizationFully amortized, no balloon
Credit scoreNo minimum
Income docsNot required
OccupancyCan be owner-occupied
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WHAT WE FINANCE

Properties that qualify

  • Storefronts with apartments above
  • Buildings that combine residential, retail, or office space
  • Owner-occupied mixed-use buildings
WHO IT’S FOR

Borrowers we help

  • Investors who want income from both residential and commercial tenants
  • Business owners who run their business in the building
  • Buyers of Main Street and downtown properties that don’t fit a bank’s box
  • Self-employed borrowers whose returns show low income
QUESTIONS

Common questions about mixed-use property loans

What counts as mixed-use?

Any building zoned for two or more uses, such as residential above retail or office.

How much can I borrow?

Loans range from $75,000 to $5,000,000, up to 75% loan-to-value.

Can I run my business in the building?

Yes. Mixed-use properties can be owner-occupied.

Why won’t my bank finance a mixed-use building?

Many banks treat mixed-use as non-standard. We lend on the property’s value and potential instead of a bank checklist.

Do I need to provide tax returns or proof of income?

No. We don’t ask for tax returns or proof of income, and there are no debt service ratio (DSCR) requirements. We underwrite the property.

Is there a minimum credit score?

No. There’s no minimum credit score, and less-than-perfect credit is considered.

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LOOKING FOR SOMETHING ELSE?

Explore our other property loans.

Ready to diversify your revenue streams?

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Or call a specialist978-478-0668