Mixed-Use Property Financing
Financing for properties that combine commercial or retail space with residential units — the storefront with apartments above, the retail strip attached to a residential building. Our small-balance commercial program covers mixed-use deals from $300K–$1.2M.
Loan Parameters
- Loan amounts: $300,000 – $1,200,000
- Retail, office, or commercial space with residential units
- Up to 75% LTV
- Underwriting on both commercial and residential income streams
- Commercial leases reviewed separately from residential leases
- Close in 30–45 days
- Business-purpose only
Common Mixed-Use Configurations
- Ground-floor retail or office with residential apartments above
- Small strip retail attached to a residential complex
- Historic buildings with commercial conversion on lower floors
- Live-work units where commercial and residential use overlap