Mixed-Use
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
Track Record
Mixed-Use Transactions
A selection of mixed-use deals we have closed nationwide.
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.
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.
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.
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.
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.
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.
Mixed-Use Financing by City
Los Angeles, CA
Mixed-Use Loans
New York, NY
Mixed-Use Loans
Phoenix, AZ
Mixed-Use Loans
Dallas, TX
Mixed-Use Loans
Houston, TX
Mixed-Use Loans
Miami, FL
Mixed-Use Loans
Atlanta, GA
Mixed-Use Loans
Chicago, IL
Mixed-Use Loans
Denver, CO
Mixed-Use Loans
Seattle, WA
Mixed-Use Loans
San Diego, CA
Mixed-Use Loans
San Francisco, CA
Mixed-Use Loans
Austin, TX
Mixed-Use Loans
Nashville, TN
Mixed-Use Loans
Tampa, FL
Mixed-Use Loans
Charlotte, NC
Mixed-Use Loans
Minneapolis, MN
Mixed-Use Loans
Portland, OR
Mixed-Use Loans
Las Vegas, NV
Mixed-Use Loans
Orlando, FL
Mixed-Use Loans
Raleigh, NC
Mixed-Use Loans
Salt Lake City, UT
Mixed-Use Loans
San Antonio, TX
Mixed-Use Loans
Kansas City, MO
Mixed-Use Loans
Columbus, OH
Mixed-Use Loans
Indianapolis, IN
Mixed-Use Loans
San Jose, CA
Mixed-Use Loans
Philadelphia, PA
Mixed-Use Loans
Washington DC, DC
Mixed-Use Loans
Detroit, MI
Mixed-Use Loans
Boston, MA
Mixed-Use Loans
Baltimore, MD
Mixed-Use Loans
Sacramento, CA
Mixed-Use Loans
St. Louis, MO
Mixed-Use Loans
Pittsburgh, PA
Mixed-Use Loans
Cincinnati, OH
Mixed-Use Loans
Cleveland, OH
Mixed-Use Loans
Jacksonville, FL
Mixed-Use Loans
Milwaukee, WI
Mixed-Use Loans
Memphis, TN
Mixed-Use Loans
Oklahoma City, OK
Mixed-Use Loans
Louisville, KY
Mixed-Use Loans
Richmond, VA
Mixed-Use Loans
Virginia Beach, VA
Mixed-Use Loans
New Orleans, LA
Mixed-Use Loans
Birmingham, AL
Mixed-Use Loans
Hartford, CT
Mixed-Use Loans
Tucson, AZ
Mixed-Use Loans
Boise, ID
Mixed-Use Loans
Omaha, NE
Mixed-Use Loans
Tulsa, OK
Mixed-Use Loans
Honolulu, HI
Mixed-Use Loans
Albuquerque, NM
Mixed-Use Loans
El Paso, TX
Mixed-Use Loans
Riverside, CA
Mixed-Use Loans
Charleston, SC
Mixed-Use Loans
Greenville, SC
Mixed-Use Loans
Knoxville, TN
Mixed-Use Loans
Fort Worth, TX
Mixed-Use Loans
Savannah, GA
Mixed-Use Loans
Fort Lauderdale, FL
Mixed-Use Loans
West Palm Beach, FL
Mixed-Use Loans
Durham, NC
Mixed-Use Loans
Colorado Springs, CO
Mixed-Use Loans
Huntsville, AL
Mixed-Use Loans
Provo, UT
Mixed-Use Loans
Boulder, CO
Mixed-Use Loans
Reno, NV
Mixed-Use Loans
Ann Arbor, MI
Mixed-Use Loans
Madison, WI
Mixed-Use Loans
Des Moines, IA
Mixed-Use Loans
Lexington, KY
Mixed-Use Loans
Providence, RI
Mixed-Use Loans
Buffalo, NY
Mixed-Use Loans
Rochester, NY
Mixed-Use Loans
Grand Rapids, MI
Mixed-Use Loans
Fresno, CA
Mixed-Use Loans
Worcester, MA
Mixed-Use Loans
Bridgeport-Stamford, CT
Mixed-Use Loans
Albany, NY
Mixed-Use Loans
New Haven, CT
Mixed-Use Loans
Bakersfield, CA
Mixed-Use Loans
Oxnard-Ventura, CA
Mixed-Use Loans
Allentown, PA
Mixed-Use Loans
Baton Rouge, LA
Mixed-Use Loans
Dayton, OH
Mixed-Use Loans
McAllen, TX
Mixed-Use Loans
Stockton, CA
Mixed-Use Loans
Columbia, SC
Mixed-Use Loans
Greensboro, NC
Mixed-Use Loans
Akron, OH
Mixed-Use Loans
Sarasota, FL
Mixed-Use Loans
Fort Myers, FL
Mixed-Use Loans
Little Rock, AR
Mixed-Use Loans
Wichita, KS
Mixed-Use Loans
Lakeland, FL
Mixed-Use Loans
Ogden, UT
Mixed-Use Loans
Winston-Salem, NC
Mixed-Use Loans
Augusta, GA
Mixed-Use Loans
Spokane, WA
Mixed-Use Loans
Syracuse, NY
Mixed-Use Loans
Toledo, OH
Mixed-Use Loans
Lancaster, PA
Mixed-Use Loans
Chattanooga, TN
Mixed-Use Loans
Scranton, PA
Mixed-Use Loans
Harrisburg, PA
Mixed-Use Loans
Asheville, NC
Mixed-Use Loans
Pensacola, FL
Mixed-Use Loans
Jackson, MS
Mixed-Use Loans
Shreveport, LA
Mixed-Use Loans
Greenville, SC
Mixed-Use Loans
Fayetteville, NC
Mixed-Use Loans
Myrtle Beach, SC
Mixed-Use Loans
Wilmington, NC
Mixed-Use Loans
Montgomery, AL
Mixed-Use Loans
Roanoke, VA
Mixed-Use Loans
Charlottesville, VA
Mixed-Use Loans
Fredericksburg, VA
Mixed-Use Loans
Manchester, NH
Mixed-Use Loans
Portland, ME
Mixed-Use Loans
Burlington, VT
Mixed-Use Loans
Springfield, MA
Mixed-Use Loans
Cape Coral, FL
Mixed-Use Loans
Daytona Beach, FL
Mixed-Use Loans
Columbia, MO
Mixed-Use Loans
Springfield, MO
Mixed-Use Loans
Sioux Falls, SD
Mixed-Use Loans
Fargo, ND
Mixed-Use Loans
Lincoln, NE
Mixed-Use Loans
Cedar Rapids, IA
Mixed-Use Loans
Peoria, IL
Mixed-Use Loans
Fort Wayne, IN
Mixed-Use Loans
South Bend, IN
Mixed-Use Loans
Evansville, IN
Mixed-Use Loans
Youngstown, OH
Mixed-Use Loans
Canton, OH
Mixed-Use Loans
Flint, MI
Mixed-Use Loans
Kalamazoo, MI
Mixed-Use Loans
Lansing, MI
Mixed-Use Loans
Duluth, MN
Mixed-Use Loans
Rochester, MN
Mixed-Use Loans
Green Bay, WI
Mixed-Use Loans
Appleton, WI
Mixed-Use Loans
Wausau, WI
Mixed-Use Loans
Eau Claire, WI
Mixed-Use Loans
Rockford, IL
Mixed-Use Loans
Champaign-Urbana, IL
Mixed-Use Loans
Davenport, IA
Mixed-Use Loans
Waterloo, IA
Mixed-Use Loans
Sioux City, IA
Mixed-Use Loans
Topeka, KS
Mixed-Use Loans
Lubbock, TX
Mixed-Use Loans
Midland, TX
Mixed-Use Loans
Abilene, TX
Mixed-Use Loans
Tyler, TX
Mixed-Use Loans
Waco, TX
Mixed-Use Loans
Beaumont, TX
Mixed-Use Loans
Corpus Christi, TX
Mixed-Use Loans
Killeen, TX
Mixed-Use Loans
Round Rock, TX
Mixed-Use Loans
Brownsville, TX
Mixed-Use Loans
Laredo, TX
Mixed-Use Loans
Flagstaff, AZ
Mixed-Use Loans
Yuma, AZ
Mixed-Use Loans
Santa Barbara, CA
Mixed-Use Loans
San Luis Obispo, CA
Mixed-Use Loans
Santa Cruz, CA
Mixed-Use Loans
Palm Springs, CA
Mixed-Use Loans
Visalia, CA
Mixed-Use Loans
Salinas, CA
Mixed-Use Loans
Chico, CA
Mixed-Use Loans
Redding, CA
Mixed-Use Loans
Victorville, CA
Mixed-Use Loans
Temecula, CA
Mixed-Use Loans
Oxnard, CA
Mixed-Use Loans
Modesto, CA
Mixed-Use Loans
Missoula, MT
Mixed-Use Loans
Billings, MT
Mixed-Use Loans
Great Falls, MT
Mixed-Use Loans
Helena, MT
Mixed-Use Loans
Bozeman, MT
Mixed-Use Loans
Idaho Falls, ID
Mixed-Use Loans
Pocatello, ID
Mixed-Use Loans
Twin Falls, ID
Mixed-Use Loans
Casper, WY
Mixed-Use Loans
Bismarck, ND
Mixed-Use Loans
Minot, ND
Mixed-Use Loans
Rapid City, SD
Mixed-Use Loans
Macon, GA
Mixed-Use Loans
Columbus, GA
Mixed-Use Loans
Florence, AL
Mixed-Use Loans
Dothan, AL
Mixed-Use Loans
Gulfport, MS
Mixed-Use Loans
Hattiesburg, MS
Mixed-Use Loans
Fredericksburg, TX
Mixed-Use Loans
Lynchburg, VA
Mixed-Use Loans
Hagerstown, MD
Mixed-Use Loans
Salisbury, MD
Mixed-Use Loans
Trenton, NJ
Mixed-Use Loans
Atlantic City, NJ
Mixed-Use Loans
Reading, PA
Mixed-Use Loans
York, PA
Mixed-Use Loans
Erie, PA
Mixed-Use Loans
State College, PA
Mixed-Use Loans
Charleston, WV
Mixed-Use Loans
Huntington, WV
Mixed-Use Loans
Wheeling, WV
Mixed-Use Loans
Manchester, TN
Mixed-Use Loans
Clarksville, TN
Mixed-Use Loans
Johnson City, TN
Mixed-Use Loans
Bowling Green, KY
Mixed-Use Loans
Owensboro, KY
Mixed-Use Loans
Paducah, KY
Mixed-Use Loans
Rock Hill, SC
Mixed-Use Loans
Florence, SC
Mixed-Use Loans
Hilton Head Island, SC
Mixed-Use Loans
Wilmington, DE
Mixed-Use Loans
Dover, DE
Mixed-Use Loans
Manchester, CT
Mixed-Use Loans
Bridgeport, CT
Mixed-Use Loans
Bangor, ME
Mixed-Use Loans
Albany, NY
Mixed-Use Loans
Binghamton, NY
Mixed-Use Loans
Poughkeepsie, NY
Mixed-Use Loans
Utica, NY
Mixed-Use Loans
Lowell, MA
Mixed-Use Loans
Springfield, IL
Mixed-Use Loans
Decatur, IL
Mixed-Use Loans
Bloomington, IL
Mixed-Use Loans
Joliet, IL
Mixed-Use Loans
Elgin, IL
Mixed-Use Loans
Waukegan, IL
Mixed-Use Loans
Rockford, IL
Mixed-Use Loans
La Crosse, WI
Mixed-Use Loans
Kenosha, WI
Mixed-Use Loans
Racine, WI
Mixed-Use Loans
Yakima, WA
Mixed-Use Loans
Kennewick, WA
Mixed-Use Loans
Bellingham, WA
Mixed-Use Loans
Olympia, WA
Mixed-Use Loans
Tacoma, WA
Mixed-Use Loans
Eugene, OR
Mixed-Use Loans
Medford, OR
Mixed-Use Loans
Astoria, OR
Mixed-Use Loans
Financing Programs
Mixed-Use properties qualify for a variety of commercial loan programs. Explore your options.
Permanent Loans
5.34% - 8.25%
Construction Loans
6.23% - 13.04%
Bridge Loans
6.79% - 13.04%
SBA Loans
5.54% - 8.25%
Mezzanine & Preferred Equity
10% - 18%
Specialty Financing
5.54% - 13.04%
Agency Loans
5.34% to 6.75%
HUD/FHA Multifamily Loans
5.25% to 6.75%
CMBS Loans
5.50% to 7.50%
Net Lease Financing
CMT + 190 bps to 7.50%
Life Company Loans
5.00% to 6.50%
DSCR Loans
6.75% - 10.50%
Hard Money Loans
9.00% - 14.00%
Portfolio Loans
6.50% - 10.00%
Fix and Flip Loans
9.00% - 13.50%
Stated Income Loans
7.00% - 11.00%
Bridge-to-Perm Loans
Construction SOFR plus 250 to 400, Permanent locked at close
Related Insights
Market Insights
Mixed-Use Investing in Palm Springs: A Complete Guide
A comprehensive guide to mixed-use investing in Palm Springs, covering market metrics, property subtypes, financing options, top submarkets, and the investment thesis for 2026.
Market Insights
Mixed-Use Investing in Santa Cruz: A Complete Guide
A comprehensive guide to mixed-use investing in Santa Cruz, covering market metrics, property subtypes, financing options, top submarkets, and the investment thesis for 2026.
Market Insights
Mixed-Use Investing in San Luis Obispo: A Complete Guide
A comprehensive guide to mixed-use investing in San Luis Obispo, covering market metrics, property subtypes, financing options, top submarkets, and the investment thesis for 2026.
FAQ
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 Commercial Lending Solutions for a free, no-obligation quote on mixed-use financing. We respond within 24 hours.
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