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Mixed-use property financing is used when the project is comprised of units zoned for different uses, such as residential, and commercial.  Most buildings with at least two units of different usage qualify for mixed-use financing.

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Owners of businesses as well as investors often seek mixed-use financing.  Investors typically act as a landlord of both commercial and residential tenants.  But business owners often will live in a residential unit and operate the business out of a commercial space.

Recognizing the differences in mixed-use property financing.


Residential tenants typically provide a more stable source of rental income, ground-floor retail tenants are often willing to pay a higher rent.  So financing of Mixed-Use properties has to take into account the revenue potential of both types of tenants. The mix of uses can cause the values of two different buildings in the same area to be quite different.  Comparisons, aren’t so simple.

At Marques Direct, our experience with mixed-use property financing helps us see the potential that others may miss.  We have loan programs, such as Flex Term, which are geared specifically for easy qualification and the flexibility to remain in a loan for up to 30 years.

The Flex Term loan is asset-based.  So the loan amount is based on the revenue-generating potential of the property.  Our ability to evaluate the tenant mix and the value of mixed-use building helps us help self-employed investors and small business owners when others can’t.

Program Guidelines

Property Types: Multifamily, Mixed Use, Office, Retail, Light Industrial, Mobile Home Parks, Self Storage, SFR Pools

Lending Area: Nationwide

Loan Amounts: $100,000 – $5,000,000

Loan Term: Up to 30 years fixed (1 – 30 Years)

Amortization: 30 Years

Minimum DSCR calculated on a case-by-case basis.

Maximum LTV: Up to 75% / CLTV up to 90%

Fixed Rates: Available

Occupancy: Investor and Owner – User for Commercial

No Minimum Credit Score required

Rate Buydown: Available

Get The Information You Need

To learn more, call (888) 543-4410 , or complete the contact request form below and one of our investment and small commercial property specialists will reach out to you.

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