Storefront below, units above — financed as one deal.
Properties that blend residential and commercial space need a lender who understands both halves. We finance storefront-with-apartments, live-work, and multi-tenant buildings without forcing your deal into the wrong box.
Mixed-use at a glance
- Storefront-with-apartments, live-work, and multi-tenant
- $250K to $15M
- Owner-occupied and investment
- Sized to combined residential and commercial income
- Purchase, refinance, and cash-out
Ideal for: owners and investors buying or refinancing buildings that combine ground-floor commercial with residential units above.
Why mixed-use trips up the wrong lender
A building with retail on the ground floor and apartments above isn't quite residential and isn't quite commercial — and lenders who only do one will either decline it or shoehorn it into terms that don't fit. The income mix, the unit count, and the commercial-versus-residential square-footage split all change how the deal underwrites.
We finance mixed-use as what it is: a single asset with two income streams. That means crediting the residential rents and the commercial leases together, choosing the structure that matches the building's profile, and pricing it to the blended cash flow rather than penalizing the part a narrow lender doesn't understand.
Owner-occupied or investment, structured to fit
If you run your business from the commercial space and live in or rent the units, an SBA structure may put you in with as little as 10% down — we'll compare it. For pure investment mixed-use, conventional financing sized to the property's combined net operating income is usually the cleaner path.
Unit count and commercial ratio drive eligibility: a two-unit-over-storefront building underwrites differently than a 20-unit with ground-floor retail. Send us the rent roll and the split, and we'll tell you up front which capital source fits and what the terms look like.
Mixed-use questions, answered.
What counts as a mixed-use property?
Any property combining residential and commercial space — most commonly ground-floor retail or office with apartments above, plus live-work units and multi-tenant buildings. The ratio of commercial to residential square footage affects how it's financed.
Can I finance a mixed-use building I live in?
Yes. If you occupy part of the building, you may qualify for owner-occupied terms — potentially an SBA structure with low down payment. We'll compare that against conventional and tell you which is cheaper.
How is mixed-use income underwritten?
We credit the residential rents and commercial leases together against the building's full debt service. Stable, well-leased commercial space strengthens the file; heavy vacancy or short remaining lease terms can affect leverage.
How much down payment do mixed-use loans require?
Generally 20–30% for investment mixed-use, depending on the commercial ratio and the property's cash flow. Owner-occupants may qualify for less through an SBA option.
Have a mixed-use building? Let's price it.
Send us the basics and we'll come back with real terms — no cost, no obligation, no credit pull to start.