Mixed-Use Property Financing
Mixed-use buildings — retail or commercial on the ground floor with residential or office above — are among the trickiest properties to finance, because they blur the line between commercial and residential underwriting. At Commercial Capital Partners, we structure mixed-use loans nationwide, matching each deal to lenders who know how to weigh both components together.
Whether you are buying a building your business will occupy, acquiring an investment property, or refinancing an existing asset, we structure the transaction to fit your goals.
Financing Options for Mixed-Use Property
SBA 7(a) Loans finance owner-occupied mixed-use buildings where your business uses the commercial space, with low down payments.
SBA 504 Loans offer long-term, fixed-rate financing for owner-occupied mixed-use real estate.
Conventional & Portfolio Loans fund investor-owned mixed-use assets, underwritten on the building’s income and unit mix.
Bridge Loans provide value-add and transitional capital for lease-up and repositioning.
Cash-Out Refinance lets you pull equity from a stabilized mixed-use building to reinvest.
What We Finance
We finance mixed-use property across the country through banks, credit unions, SBA-preferred institutions, and private capital, evaluating each deal through the credit boxes that fit its commercial-to-residential split.
Types of Mixed-Use Property We Finance
- Retail or restaurant ground floor with apartments above
- Office-over-retail buildings
- Live/work properties
- Storefront and main-street mixed-use
- Predominantly residential mixed-use
- Value-add and repositioning projects
What Lenders Focus On
Many lenders cap how much commercial income they will allow before a building leaves their box, while others won’t touch residential units. Placing your deal with a lender whose guidelines match your unit mix is the whole game — and that’s what we do before we submit.
Commercial or Residential Financing?
Most mixed-use buildings are financed as commercial loans, but the unit mix and income split change the program and the lender. We position your deal to the right one rather than forcing it into a single box.
Serving Southern California, the Inland Empire & Nationwide
Headquartered in Rancho Cucamonga, we serve owners and investors across the Inland Empire and Southern California, and we finance mixed-use property nationwide.
Recent Mixed-Use Property Financing
Our team regularly structures mixed-use acquisitions, refinances, and cash-out deals. When a property’s blend of uses makes lenders hesitate, the right structure and lender match make the difference.
Start Your Mixed-Use Property Financing Today
Tell us about your deal and we’ll tell you your options — no obligation. Pre-qualify in about 60 seconds or call our team directly.
