Mixed-Use Property Financing

Mixed-Use Property Financing

Mixed-use properties combine residential and commercial space in a single building. These assets require lenders who understand both property types and can underwrite the combined income stream.

What Makes Mixed-Use Unique

Diversified Income

Residential and commercial tenants provide income diversification. When one sector is weak, the other may be strong.

Urban Locations

Mixed-use properties are often in urban areas with retail or office on the ground floor and apartments above.

Complex Underwriting

Analyzing mixed-use requires understanding both residential and commercial leasing, income, and expenses.

Types of Mixed-Use We Finance

Retail/Residential

Ground-floor retail with apartments above—the classic "Main Street" mixed-use.

Office/Residential

Professional office space combined with residential units.

Industrial/Residential

Live/work spaces combining light industrial with residential.

Multi-Use Complexes

Larger developments with multiple commercial and residential components.

How We Analyze Mixed-Use

We evaluate each component separately:

Residential Component

• Rent comparables
• Vacancy rates
• Tenant quality

Commercial Component

• Tenant creditworthiness
• Lease terms and rollover
• Market rent analysis

Combined Analysis

• Total NOI and DSCR
• Management considerations
• Market positioning

Bridge and Term Options

Depending on your needs and the property's status:

• Bridge: For acquisitions, value-add, or transitional properties
• Term: For stabilized mixed-use with long-term hold strategy