What lenders look at
- Share of income from residential versus commercial
- Commercial tenant leases
- Owner occupancy if you run a business there
- Zoning and permitted uses
- Local market rents
We package these points up front, so the lenders who see your deal already understand its strengths and how any weak spots are handled.
Loan options for this property type
Purchase loans
Buy multifamily, retail, office, industrial or special-purpose property with bank, agency or private financing.
Refinance and cash-out
Lower your payment, replace a maturing loan, or pull equity for your next acquisition.
SBA 7(a) loans
Low-down-payment loans for owner-occupied real estate and business acquisitions.
DSCR investor loans
Qualify on the property's cash flow, not your personal income.
Recent closings
Solved: A tenant bought the building he leased, despite trouble documenting all of his sales income.
Frequently asked questions
Is a mixed-use building commercial or residential for lending?
Lenders decide mostly by the share of income and square footage that's commercial. That choice changes which programs apply, which is why we shop it across both kinds of lender.
Can I buy a mixed-use building with an SBA loan?
Yes, if your business occupies at least 51%. In a recent Boston deal, a tenant bought his $654,500 mixed-use building with SBA financing.
Do DSCR loans work for mixed use?
Many DSCR lenders accept mixed-use properties, especially when residential income is significant.