Mixed-Use Property Loans | $1M to $100M+ | Commercial Lending Solutions

The Best Mixed-Use Financing, Tailored to Your Deal

Mixed-use properties combine multiple revenue streams, residential, retail, office, in a single asset, creating diversified income and strong community appeal. Whether you're acquiring a podium-style building with ground-floor retail and apartments above, refinancing a live/work complex, or developing a new mixed-use project, Commercial Lending Solutions connects you with the right lender and the right program for your specific situation.

As a commercial mortgage broker with access to over 1,000 lenders, including agency lenders (for properties with 51%+ residential), banks, credit unions, CMBS conduits, and bridge lenders, we present your deal to multiple capital sources simultaneously and negotiate the best terms on your behalf.

Mixed-Use Loan Programs

Program	Rate	Term	LTV
Agency (if 51%+ residential)	5.85%, 6.50%	5-25 yr	Up to 80%
Bank / Credit Union	6.00%, 7.00%	5-10 yr	Up to 75%
CMBS	6.25%, 7.25%	5-10 yr	Up to 70%
Bridge	7.50%, 10.00%	12-36 mo	Up to 75%

Rates shown are approximate ranges as of Q1 2026 and vary by property mix, location, occupancy, borrower strength, and market conditions.

Common Mixed-Use Use Cases

Acquisition

Financing for purchasing mixed-use properties. We match your deal with the best acquisition loan program based on the residential/commercial mix, tenant quality, and your investment strategy.

Refinance

Lower your rate, extend your term, or pull cash out of your stabilized mixed-use asset. Properties with majority residential may qualify for agency programs with the best rates and terms available.

Value-Add / Repositioning

Bridge financing for renovating residential units, upgrading commercial spaces, or re-tenanting retail components. Increase rents across both components, stabilize, then refinance into a permanent loan.

Ground-Up Development

Construction financing for new mixed-use development projects. Fund the build with a construction loan structured for a permanent takeout upon stabilization, including agency programs for residential-heavy projects.

Property Types We Finance

Retail + apartments (ground-floor commercial, residential above)
Office + retail combinations
Live/work lofts
Podium buildings (ground-floor commercial + residential above)
Vertical mixed-use towers
Mixed-use development sites

Why Use a Mixed-Use Loan Broker?

Mixed-use financing is more complex than single-use properties because lenders must evaluate multiple income streams, different lease structures, and the interaction between commercial and residential components. The residential percentage determines whether agency programs (the best rates) are available. Going directly to one lender means you get one set of terms. Working with Commercial Lending Solutions, your deal is structured for the best possible execution.

Access to 1,000+ lenders, including agency lenders for majority-residential mixed-use
One application, multiple competing term sheets
We negotiate on your behalf, rate, fees, prepayment flexibility, interest-only periods, and cash-out limits
Expertise in structuring mixed-use deals to maximize agency eligibility
No upfront fees, we only get paid when your loan closes

Prefer to talk? Call the broker directly.

310.708.0690

Trevor Damyan · Mon-Fri 9am-5pm PT

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FAQ

Mixed-Use Loan Questions

The residential percentage is the single most important factor in determining your mixed-use financing options. Fannie Mae and Freddie Mac agency programs, which offer the lowest rates, highest leverage (up to 80% LTV), longest terms (up to 25 years), and non-recourse terms, are available for mixed-use properties where residential income represents 51% or more of the total gross income. The calculation is based on income, not square footage. If your property is at or near the 51% threshold, structuring the rents to maximize the residential percentage can unlock significantly better financing terms. Commercial Lending Solutions analyzes your property's income mix and advises on whether agency programs are achievable.

Lenders evaluate mixed-use NOI by analyzing each component separately and then aggregating them. Residential income is underwritten based on market rents, vacancy factors (typically 5-7%), and operating expenses. Commercial income is evaluated based on lease terms, tenant credit, and market comparables. Lenders may apply different vacancy and expense assumptions to each component. The commercial leases are scrutinized for remaining term, renewal probability, and below/above-market status. A property with strong residential occupancy but commercial vacancy may still qualify for financing if the residential income alone supports the debt service. Commercial Lending Solutions helps borrowers present their mixed-use financials in the most lender-friendly format.

Zoning is a critical factor for mixed-use properties and financing. Lenders verify that the property's current use conforms to local zoning ordinances and that all necessary permits and certificates of occupancy are in place. Non-conforming uses (grandfathered properties) can still be financed but may face more limited options. For development deals, lenders require evidence of proper zoning entitlements before funding. Mixed-use zoning districts vary significantly by municipality, some require specific residential-to-commercial ratios, parking minimums, or ground-floor commercial mandates. Properties in transit-oriented development (TOD) zones often receive favorable treatment from lenders due to reduced parking requirements and strong tenant demand.

Retail vacancy in a mixed-use property affects financing differently depending on the property's overall income mix. If the property is majority residential (51%+ of income), lenders focus primarily on the residential performance and may view commercial vacancy as a value-add opportunity rather than a deal-breaker. For properties with significant commercial components, retail vacancy directly impacts NOI, DSCR, and available loan proceeds. Lenders may underwrite to in-place income only, requiring the commercial space to be leased before offering full proceeds. Bridge lenders are more flexible with commercial vacancy, offering capital to stabilize the retail component before refinancing into a permanent loan. Commercial Lending Solutions structures mixed-use financing to account for the current retail environment and your leasing strategy.

Important Loan Disclosures

Representative Example: A $7,000,000 mixed-use property loan at a 6.25% fixed rate with a 10-year term and 30-year amortization would have an estimated monthly principal and interest payment of approximately $43,100. Total amount repayable over the 10-year term: approximately $5,172,000 (balloon balance due at maturity). This example is for illustrative purposes only; your actual rate, payment, and terms may differ.

Rate Range: Mixed-use loan rates currently range from approximately 5.85% to 7.50%, depending on program type (agency, bank, CMBS, bridge), residential percentage, property size, location, and market conditions at the time of funding.

Fees: Origination fees typically range from 0.5% to 2.0% of the loan amount. Additional costs may include appraisal ($3,000-$10,000), legal fees ($5,000-$15,000), title insurance, environmental reports, and third-party inspections. All fees will be disclosed in writing before loan commitment.

Loan Terms: Mixed-use loan terms range from 5 to 25 years with agency, bank, CMBS, and bridge execution available. Non-recourse financing available for qualifying properties and borrowers. Prepayment penalties (yield maintenance, defeasance, or step-down) may apply depending on the program.

Risks: Commercial real estate loans carry inherent risks including but not limited to: property value decline, interest rate changes, inability to refinance at maturity, tenant vacancy in both residential and commercial components, changing market dynamics, and potential loss of invested equity or the property itself. Borrowers should consult with qualified financial, legal, and tax advisors before committing to any loan.

Broker Disclosure: Commercial Lending Solutions (Commercial Lending Solutions) is a commercial mortgage brokerage, California DRE License #02244836. Commercial Lending Solutions does not make loans directly. All loans are originated and funded by third-party lenders. Commercial Lending Solutions receives compensation from the borrower, the lender, or both upon successful loan closing. Commercial Lending Solutions is not affiliated with or endorsed by any specific lender.

Mixed-Use Property Loans: $1M-$50M | Residential Over Retail