Finance Mixed-Use Properties With Confidence

Whether you’re buying, refinancing, or improving a mixed-use property, we match you with lenders who understand combined residential and commercial income structures.

Retail + Residential

Shops or restaurants at street level with apartments above.

Office + Residential

Live-work combinations or office suites with residential units.

Flex Mixed-Use

Creative properties blending retail, office, multifamily, and services.

How Mixed-Use Loans Are Structured

Lenders evaluate both the residential and commercial components of the building. Key factors include DSCR, tenant mix, lease quality, location, and market demand.

  • Dual-income analysis: Lenders underwrite both residential and commercial rents.
  • Tenant quality: Long-term, stable commercial tenants boost underwriting strength.
  • Versatile terms: Bank, agency, bridge, and private options depending on needs.
  • Property flexibility: Ideal for value-add, stabilization, and long-term holds.
Discuss Your Project

Popular Mixed-Use Financing Scenarios

  • Retail + Residential
    Street-facing shops with apartments above.
  • Office + Residential
    Live-work or office-suite combinations.
  • Value-Add Properties
    Reposition outdated buildings for higher rents.
  • Refinance & Cash-Out
    Unlock equity from stabilized mixed-use buildings.
  • Bridge Financing
    Short-term financing for improvements and lease-up.
  • Small to Mid-Size Assets
    3–20 unit buildings common in growing cities.

From Acquisition to Stabilization

Mixed-use buildings benefit from flexible financing options during repositioning, lease-up, or capital improvements. We align lenders with your strategy.

  • Pre-close clarity: Know cash to close, reserves, and projected DSCR.
  • Renovation-friendly: Many lenders support property upgrades and façade work.
  • Strong long-term exits: Refinance into bank, agency, or DSCR options.
Start Your Mixed-Use Prequalification

Compare Mixed-Use Loan Options

Bank & Conventional Mixed-Use Loans

Common option for stabilized or improving mixed-use buildings.

Typical Term 5–10 years
Best For Stabilized mixed-use properties
Max LTV Up to ~75%
Focus NOI, DSCR, tenant mix, location

Bridge Mixed-Use Loans

Used for value-add, renovations, or repositioning.

Typical Term 12–36 months
Best For Lease-up or value-add
Max LTV Varies by lender
Focus Business plan, CapEx, projected NOI

Investor & DSCR Mixed-Use Loans

For smaller mixed-use buildings with predictable cash flow.

Typical Term 30-year options
Best For Stabilized small mixed-use
Max LTV Up to ~75%
Focus Income stability, DSCR

Why Investors Choose F.G. Howell for Mixed-Use Deals

Understanding Underwriting

We know how commercial and residential components affect lender appetite.

Fast Turnaround

We help package your deal cleanly so lenders can move faster.

Multiple Capital Sources

Banks, agencies, private lenders, and debt funds—matched to your strategy.

Questions about financing your mixed-use project?
Request a call.

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Mixed-Use Loan FAQs

Lenders evaluate both the residential and commercial components—leases, rent stability, tenant credit, and market demand.

Yes. Many lenders support renovations for storefronts, façades, units, and common areas.

In many cases, yes—especially for smaller mixed-use buildings with predictable rents.

Yes. Any property combining commercial + residential is considered CRE.

Yes—subject to property performance and DSCR.