Mixed-Use Property Financing
Mixed-use properties combine multiple revenue streams in single assets, offering diversification and often premium locations. We provide financing for a variety of mixed-use combinations.
Industry Challenges
Multiple income streams complicate underwriting
Different lease structures for each use
Varying market dynamics across uses
Common area allocation complexity
Regulatory considerations for different uses
Our Solutions
Experienced underwriting of multi-use properties
Flexible analysis of combined income
Understanding of urban development patterns
Creative structures for complex projects
Development and repositioning expertise
Mixed-Use Property Financing
Mixed-use properties combine multiple revenue streams—typically retail, office, and residential—in a single asset. These properties often occupy prime locations and benefit from the synergy of complementary uses.
Common Mixed-Use Combinations
Retail + Residential
- Ground floor retail with apartments above
- Main street and downtown locations
- Urban infill developments
Office + Retail
- Professional office with street-level retail
- Medical office with pharmacy or services
- Corporate with food service amenities
Live-Work
- Combined living and working space
- Artist lofts and creative space
- Home occupation friendly
Multi-Use Complexes
- Larger developments with all uses
- Parking and common amenities
- Master-planned mixed-use
Underwriting Approach
Mixed-use requires analyzing each component:
Residential Component
- Rent roll and vacancy analysis
- Market rent comparison
- Unit mix optimization
Commercial Component
- Tenant quality and lease terms
- Market rent and absorption
- TI and leasing costs
Combined Analysis
- Weighted NOI calculation
- Risk diversification value
- Location premium factors
Investment Strategies
Value-Add Mixed-Use Properties with upside in one or more components:
- Bridge financing for repositioning
- Lease-up reserves for commercial
- Unit upgrades for residential premium
Development New mixed-use construction:
- Complex entitlement navigation
- Phased delivery possible
- Multiple exit strategies
Stabilized Acquisition Cash-flowing mixed-use properties:
- Diversified income streams
- Premium locations typically
- Long-term financing options
Loan Parameters
- Loan Size: $500K - $30M+
- LTV: Up to 75% depending on component mix
- DSCR: 1.20+ for permanent
- Use Mix: Flexible component ratios
Main Street Mixed-Use Revival
An investor acquired a historic mixed-use building on a revitalizing main street with ground-floor retail and 8 apartments above. Our bridge loan funded acquisition and renovation of all units. The property now commands premium rents in both retail and residential.
Available Programs
Mixed-Use Bridge Loans
Acquisition and repositioning financing
Retail/Residential Loans
Ground floor retail with apartments above
Live-Work Financing
Combined residential and commercial space
Mixed-Use Development
Construction financing for multi-use projects
Other Industries
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Our team specializes in mixed-use financing. Let us help you find the right solution for your business.