Commercial & Multifamily

Mixed-Use Property Loans

One Property. Multiple Income Opportunities.

Financing solutions for qualifying buildings combining residential apartments and commercial spaces.

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Business-purpose financing

In plain words

Financing for investment buildings that combine apartments with commercial space, such as storefronts with apartments above.

Benefits

  • One loan for a building with both apartments and commercial space.
  • Lenders look at income from both the residential and the commercial tenants.
  • Fixed-rate and interest-only payment options exist with some programs.
  • Ownership through an LLC or corporation is common.

Eligible property types

  • Buildings with both residential units and commercial space.
  • Retail and apartment buildings, such as a store or office on the ground floor with apartments above.

Financing purposes

  • Purchase.
  • Refinance, including cash-out refinance for business purposes.

General qualification considerations

  • Not every investor program accepts mixed-use buildings; eligibility depends on the program and the mix of space.
  • Lenders review the property's value and income from both the residential and commercial tenants.
  • Fixed-rate and interest-only payment options exist with some programs.
  • The building must be held as an investment; you and your family do not live in it.
  • Ownership through an LLC or corporation is common.

Basic documentation checklist

Do not send documents through the inquiry form. After we talk, our team explains how to share them securely.

See the full document checklist

  • Rent roll covering every residential and commercial unit, with current leases.
  • Income and expense statement for the building.
  • Purchase contract or mortgage statement.
  • Insurance information for a commercial property.
  • Entity documents and photo ID for each owner or guarantor.
  • List of other properties owned.

Frequently Asked Questions

What counts as a mixed-use property?

A building that has both apartments and commercial space, such as a store or office on the ground floor with apartments above.

Can I live in one of the apartments?

No. These programs are for buildings held as an investment. A building you plan to live in needs a different kind of loan, which this financing center does not cover.

Do all investor programs accept mixed-use buildings?

No. Some programs exclude them, so we match your building to a program that accepts this property type.

Learn More

Related programs and tools to help you prepare.

Related programs

Tools and guides

Request financing for this program

Send a short inquiry with the basics about your property. Our team will review it and contact you to discuss available options.

Request Financing Call 516-777-0385

Financing disclosure

Plan A Realty Corp. facilitates business-purpose investment and commercial real estate financing. All programs are subject to lender availability, underwriting requirements, borrower and property eligibility, and applicable laws. Submission of an inquiry does not constitute loan approval or a commitment to lend.

Investment and business-purpose properties only. Homes you or your family will live in are not part of this financing center.

Contact Plan A Realty Corp.