Mixed-Use Property Financing

Mixed-use properties combine residential, commercial, and sometimes industrial uses within a single asset or development. These properties can be challenging to finance due to their hybrid nature, but experienced brokers can source competitive capital from banks, CMBS lenders, and specialized mixed-use lenders who understand the unique underwriting dynamics.

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Mixed-Use Property Financing

Mixed-use financing requires lenders comfortable with multiple income streams and use types within a single property. Vertical mixed-use (retail ground floor with apartments above) is the most common structure, followed by horizontal mixed-use developments. Lenders typically underwrite the residential and commercial components separately, then blend the analysis. CLS CRE's expertise in mixed-use structuring helps investors maximize leverage across the full capital stack.

Mixed-Use Subtypes

  • 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 Transactions

A selection of mixed-use deals we have closed nationwide.

Mixed-Use - New York, NY
Bridge
$48,000,000
Mixed-Use
New York, NY
Bridge financing for a mixed-use repositioning in Brooklyn’s Williamsburg neighborhood, converting a former industrial building into 65 residential units with ground-floor retail along the Bedford Avenue commercial strip.
Mixed-Use - Denver, CO
Construction
$34,000,000
Mixed-Use
Denver, CO
Ground-up construction financing for a five-story mixed-use development in Denver’s LoHi neighborhood, combining 85 residential units with 12,000 square feet of ground-floor retail along a high-traffic transit corridor.
Mixed-Use - Washington, DC
Permanent
$29,000,000
Mixed-Use
Washington, DC
Permanent financing for a transit-oriented mixed-use development near the Columbia Heights Metro station, combining 100 residential units with 20,000 square feet of neighborhood retail in one of DC’s most diverse and densely populated corridors.
Mixed-Use - St. Louis, MO
Construction
$24,000,000
Mixed-Use
St. Louis, MO
Construction financing for an adaptive reuse mixed-use project in the historic Cortex Innovation District, converting a former warehouse into creative office and retail space in the heart of St. Louis’s tech startup corridor.
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 - Miami, FL
Bridge
$12,800,000
Mixed-Use
Miami, FL
Bridge financing for a mixed-use property in Miami’s Wynwood Arts District, combining creative office space with ground-floor retail in one of the city’s most vibrant cultural and entertainment corridors.

Financing Programs

Mixed-Use properties qualify for a variety of commercial loan programs. Explore your options.

Related Insights

Mixed-Use Financing FAQ

Lenders evaluate each component of a mixed-use property separately (residential, retail, office) and then blend the analysis. Properties with 80%+ residential may qualify for agency financing. The commercial component is underwritten based on in-place leases and market rent comparisons.
Mixed-use properties can be challenging because they straddle multiple underwriting frameworks. Lenders need to be comfortable with each use type, and the blended analysis may result in more conservative terms than a single-use property. Finding the right lender is key.
Mixed-use properties with at least 80% residential use (by income or square footage) may qualify for Fannie Mae or Freddie Mac financing, benefiting from agency rates and non-recourse terms. The commercial component must comply with agency guidelines.
Mixed-use property loan rates range from 5.50% to 8.50% depending on the lender, property composition, and market. Agency-eligible mixed-use (80%+ residential) can access rates in the 5.50% to 6.75% range.
Yes. Mixed-use construction loans are available from banks, debt funds, and private lenders. These projects typically require 20-35% borrower equity (65-80% loan-to-cost), strong development experience, and a clear permanent financing or sale exit strategy.

Finance Your Mixed-Use Property

Contact CLS CRE for a free, no-obligation quote on mixed-use financing. We respond within 24 hours.

Apply for Financing →
Or call us: 310.758.4042

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