Mixed Use Overview:
What is a Mixed Use Loan?
Documents you'll need
Benefits of a Commercial Mixed Use
Requirements for Mixed-Use Loans
Apply today!
What is a Mixed Use Loan?
If you’re investing in a property that combines business and residential spaces, a commercial mixed-use loan could be your best financing option. These loans help investors and developers purchase or refinance buildings with both income-generating commercial units (like retail stores or offices) and residential units (like apartments or condos).
How Does a Mixed-Use Commercial Loan Work?
A mixed-use property loan is a hybrid financing solution for buildings that serve dual purposes:
Commercial space (e.g., stores, restaurants, offices)
Residential space (e.g., apartments, condos, townhomes)
Since these properties don’t fit neatly into residential mortgages or pure commercial loans, specialized lenders offer mixed-use financing with flexible terms.
Types of Commercial Mixed-Use Loans
SBA SBA 7(a) and 504 Loans
An excellent for owner-occupied mixed-use buildings where at least 51% of the space is used for business purposes. The SBA 504 loan requires only a 10% down payment and offers long-term, fixed-rate financing, making it ideal for small business owners who occupy part of the property.
Commercial Mortgage-Backed Security
Provide non-recourse financing with loan amounts starting at $2 million. These loans require a 30-35% down payment and have strict prepayment penalties, but they offer competitive rates for well-performing assets.
bridge loans or hard money loans.
vThese short-term financing options focus on the property’s value rather than the borrower’s credit, with approval in as little as 2-4 weeks. However, they come with higher interest rates (8-12%) and shorter terms (1-3 years).
Benefits of a Commercial Mixed-Use Loan
Diversified Income Stability
Mixed-use properties combine residential, retail, and commercial tenants, reducing financial risk. If retail demand slows, residential leases provide steady cash flow—ensuring consistent revenue even in shifting markets.
Higher Property Value & Appreciation
Blending rental types (long-term residential with high-yield commercial leases) increases overall valuation. Walkable urban developments are in high demand, often leading to faster appreciation than single-use buildings.
Flexible Financing Options
Banks and lenders offer specialized loans for mixed-use properties, including SBA loans (for owner-occupied spaces), conventional mortgages, and renovation financing—tailored to your project’s needs.
Tax Advantages & Depreciation Benefits
Owners can leverage depreciation deductions, mortgage interest write-offs, and cost segregation studies to optimize tax savings compared to standard residential or commercial real estate.
Adaptability for Future Growth
Mixed-use spaces can evolve with market trends—converting offices into co-working hubs, adding short-term rentals, or adjusting retail layouts—ensuring long-term relevance and profitability.
The Documents you will need:
The Documents
you will need:
Personal & Business Financial Documents
Personal financial statement (listing assets, liabilities, and net worth)
Property-Related Documents
Provides lenders with critical information about the asset's value, income potential, and risks.
Loan Application & Business Plan
business plan to assess the viability of your investment.
Entity Docs
Articles of Incorporation, Operating Agreement, Tax Identification Number, Certificate of Good Standing
Simple Process
We simplify everything—no endless documents or confusing hurdles. Just straightforward terms and a transparent process from application to funding.
Expert Service
Our dedicated loan experts bring decades of experience to every deal. As your premier mortgage lender we will craft solutions tailored to your project’s unique needs.
Quick Closing
Pro Investor Capital closes loans in as little as 5–7 days, far faster than traditional lenders. This means you secure deals before competitors even finish paperwork.
Considering a
Mixed-use property?
A DSCR loan can be an excellent fit for investors who:
Prioritize property cash flow over personal income.
Want a faster, more straightforward approval process.
Plan to grow their portfolio of income-producing properties.
Have a strong understanding of real estate market dynamics.
Take the Next Step
Ready to maximize the potential of your commercial mixed-use property? Whether you’re acquiring a retail-residential building, refinancing an office-space hybrid, or renovating a multi-use asset, we offer customized financing solutions designed for mixed-use investments.
Contact us today to explore financing options tailored to your next project!