Mixed-Use Financing in Santa Barbara, CA | Commercial Lending Solutions 

Mixed-Use Financing in Santa Barbara, CA

Santa Barbara is a high-barrier coastal California market with extremely limited commercial real estate supply, premium retail and hospitality demand from affluent residents and tourism, and persistent housing constraints that support strong multifamily fundamentals. Cap rates are among the lowest in California but assets hold value exceptionally well.

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Financing for Santa Barbara Mixed-Use Properties

CLS CRE provides comprehensive financing for mixed-use properties in the Santa Barbara-Santa Maria market. Whether you're acquiring, refinancing, or developing mixed-use assets, our 1,000+ lender relationships ensure you get the most competitive terms available.

Mixed-Use Subtypes We Finance

  • Retail + Residential
  • Office + Residential
  • Live-Work Spaces
  • Transit-Oriented Development
  • Land & Development Sites
  • Adaptive Reuse & Conversion
  • Ground-Floor Commercial + Apartments
  • Mixed-Use Portfolios

Financing Options

  • Bank Permanent Loans
  • Bridge Loans
  • Construction Loans
  • CMBS
  • Agency (If 80%+ Residential)
  • Mezzanine & Preferred Equity

Mixed-Use Deals Near Santa Barbara

Selected mixed-use transactions in and around the Santa Barbara-Santa Maria market.

Unentitled Land - Los Angeles, CA
Bridge
$14,000,000
Unentitled Land
Los Angeles, CA
Land bridge loan for an unentitled Downtown LA parcel during the entitlement and planning process for a major development.
Mixed Use Portfolio - Los Angeles, CA
Permanent
$12,500,000
Mixed Use Portfolio
Los Angeles, CA
Mixed-use portfolio refinancing spanning residential and commercial assets in Los Angeles's Cahuenga corridor.
Infill Land - Los Angeles, CA
Permanent
$12,000,000
Infill Land
Los Angeles, CA
Infill land acquisition financing in Downtown Los Angeles with entitlement potential for future ground-up development.
Entitled Land - San Francisco, CA
Bridge
$8,500,000
Entitled Land
San Francisco, CA
Bridge financing for entitled development land in San Francisco, bridging to construction start.
Mixed Use (Apts & Retail) - Carlsbad, CA
Permanent
$4,500,000
Mixed Use (Apts & Retail)
Carlsbad, CA
Mixed-use property with ground-floor retail and upper-level apartments in coastal North San Diego County.

Mixed-Use Financing in Other Cities

Mixed-Use Financing in Santa Barbara FAQ

mixed-use properties in Santa Barbara can access financing from banks, life insurance companies, CMBS lenders, debt funds, and agency programs (for multifamily). Rates and terms depend on the specific property, tenancy, and borrower profile. CLS CRE provides customized options for the Santa Barbara-Santa Maria market.
Current mixed-use loan rates in Santa Barbara range based on the financing type: permanent loans from 5.34% to 8.25%, bridge loans from 6.79% to 13.04%, and construction loans from 6.79% to 13.04%. Contact CLS CRE for rate quotes specific to your property.
The mixed-use market in the Santa Barbara-Santa Maria area benefits from Santa Barbara is a high-barrier coastal California market with extremely limited commercial real estate supply, premium .... Contact CLS CRE for a detailed market assessment and financing options for your Santa Barbara mixed-use property.
Non-recourse financing is available for qualifying mixed-use properties in Santa Barbara from life insurance companies, CMBS conduits, and select debt funds. Requirements include sufficient property value, strong cash flow, and experienced borrower sponsorship.
Commercial loans for mixed-use properties in Santa Barbara typically start at $1,000,000 for bank financing and $1,000,000 for agency programs. SBA loans start at $1,000,000 for qualifying owner-occupied properties. Contact CLS CRE for options specific to your deal size.


Finance Your Santa Barbara Mixed-Use Property

Contact Commercial Lending Solutions for a free, no-obligation quote on mixed-use financing in Santa Barbara. We respond within 24 hours.

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Or call us: 310.708.0690

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