Mixed-Use Property Financing
Mixed-Use Loans for Commercial Developers
Mixed-use properties — retail or office space paired with residential units — don’t fit neatly into a single lending box, which is exactly why the right broker relationship matters. Kelly Dutton matches your project to lenders comfortable underwriting blended-use income, structures the file to reflect both revenue streams accurately, and keeps the deal moving through closing.
What Mixed-Use Loans Can Be Used For
- Acquisition of retail-over-residential or office-over-residential buildings
- Ground-up or conversion mixed-use development
- Refinancing an existing mixed-use property
- Renovation or repositioning of underperforming mixed-use assets
- Value-add projects blending commercial and residential income
Why Business Owners Choose Mixed-Use Financing
- Lenders who properly underwrite blended commercial and residential income, not just one or the other
- Financing structured around your property’s actual tenant mix
- Access to lenders experienced with zoning and use-mix complexity
- Terms built for long-term hold or eventual refinance, not just the initial purchase
How Kelly Helps
Mixed-use deals get miscategorized more often than any other property type — lenders default to treating them as pure commercial or pure residential, and either one undervalues the deal. Kelly knows how to present the full income picture so lenders see the property for what it actually is, and matches you to lenders who work in this space regularly.
They typically weigh commercial and residential income separately, since each carries different risk and vacancy assumptions. Kelly helps package your rent roll so both streams are represented accurately.
Not necessarily — many commercial lenders finance the whole property as one loan, but the mix affects which lenders will even look at the deal. Kelly narrows that list for you.
Yes — conversion and repositioning projects are common in this space. Kelly can walk you through what documentation lenders expect for that kind of deal.