Flexible Capital for Residential & Commercial Hybrid Assets

We provide financing for mixed-use properties that combine residential and commercial uses under a single ownership structure. These properties often require specialized underwriting due to their blended income streams, tenancy profiles, and zoning considerations.

We offer both short-term and long-term financing solutions for mixed-use buildings, supporting acquisition, refinance, repositioning, and transitional strategies nationwide.

Understanding Mixed-Use Properties

Most mixed-use buildings feature a residential component occupying approximately 80% or more of the net leasable area, with the remaining space dedicated to non-residential uses such as:

• Retail storefronts
• Office space
• Service-oriented commercial tenants

This structure allows for diversified income while maintaining strong residential fundamentals.

Common Mixed-Use Building Types

Main Street Commercial / Residential

• Ground-level retail or commercial units facing the street
• Residential units located above
• Common in walkable downtown corridors and neighborhood centers

Urban Commercial / Residential

• Multi-story buildings, typically three stories or more
• Commercial space may be internal or street-adjacent
• Often found in dense urban environments

Office & Multifamily

• Multifamily residential units integrated with office space
• Can exist within a single structure or across multiple buildings
• Suitable for professional, medical, or creative office tenants

Each configuration is evaluated based on income allocation, tenant stability, and market demand.

Financing Options Available

We structure financing solutions tailored to the complexity of mixed-use assets, including:

• Acquisition loans
• Refinance and recapitalization
• Transitional and bridge financing
• Long-term stabilized financing

Our approach allows borrowers to access capital that reflects the property’s true blended nature.

Commercial Bridge Program – Mixed-Use Eligible

For transitional or time-sensitive transactions, we offer a commercial bridge loan program for mixed-use assets.

Program Highlights

• Loan amounts up to $10,000,000
• Minimum 620 FICO
• Multifamily and mixed-use properties eligible
• Foreign nationals and first-time investors welcome
• Up to 70% LTV on purchase transactions

This program is ideal for acquisitions, lease-up strategies, or repositioning prior to permanent financing.

Key Underwriting Considerations

• Residential vs. commercial income split
• Tenant mix and lease duration
• Zoning and permitted uses
• Market location and demand drivers
• Stabilization plan and exit strategy

We underwrite mixed-use properties with a focus on cash flow durability and execution strategy, not rigid templates.

Our Mixed-Use Financing

• Private and institutional capital access
• Experience with blended-use assets
• Short-term and long-term financing options
• Flexible underwriting for complex properties
• Nationwide lending capabilities
• Sponsor-focused execution

Contact us for more information.