Mixed-Use Property Financing
Finance properties that combine commercial and residential — retail on the ground floor, apartments above.
Overview
Mixed-use properties combine commercial space (retail, office, restaurant) with residential units in the same building. Financing depends on the commercial-to-residential ratio. If the property is majority residential with a small commercial component, residential programs may apply. If it is majority commercial, commercial mortgage programs are required.
Who Is This For?
- Investors purchasing mixed-use buildings
- Business owners buying a building with their business on the ground floor
- Developers building new mixed-use projects
- Owners refinancing existing mixed-use properties
Recommended Programs
Loan programs that fit this buying scenario.
The Buying Process
What to expect from pre-approval to closing.
Property Analysis
We assess the commercial/residential ratio and determine the right program.
Financing Strategy
Commercial mortgage, SBA, or residential — matched to the property.
Close
Coordinate appraisal and underwriting for a smooth closing.
Frequently Asked Questions
If the residential portion is 51%+ of the building by area or revenue, some residential programs (FHA, conventional) may apply. Otherwise, commercial financing is required.