Commercial
Mixed-use
Financing when residential and commercial uses share a building or site.
- Residential plus retail or office
- Occupancy mix drives the program
- Owner-user and investor
Who it is for
Borrowers buying or refinancing properties that are not purely residential or purely commercial.
Mixed-use files stall when the lender is residential and the building is not. We classify the use mix first, then choose residential Non-QM, small commercial, or a larger commercial execution.
Questions
- Can this be a residential mortgage?
- Sometimes, if the residential portion and occupancy meet consumer-purpose tests. Many mixed-use files are commercial. We classify the property before we pick a term sheet.
Related programs
- Small commercial
Owner-user and investor loans for retail, office, warehouse, and other small commercial properties.
- Multifamily
Financing for residential buildings with five or more units, from small apartments to larger portfolios.
Ready to structure a file that can actually close?
Tell us the purpose, the property, and how you document income. We will place the request with a program that fits — this is not a loan approval.