Key features
- Purchase and refinance options
- Commercial, non-QM or other structures depending on property composition
- Investor and owner-user scenarios evaluated separately
- Bridge financing may fit transitional or time-sensitive business-purpose deals
Who this is designed for
Borrowers financing buildings that combine residential units with retail, office, restaurant or other commercial space.
Property types and uses
Examples include apartments over retail, live/work buildings and other eligible mixed-use assets. The percentage and nature of commercial space can determine which lending channel fits.
Common questions
Is mixed-use financing residential or commercial?+
It depends on the property configuration, occupancy and program. Some smaller mixed-use properties can fit specialized residential guidelines; others require commercial financing.
Can rental income help qualify?+
Yes, property income may be considered depending on the program and whether the transaction is residential investor or commercial.
Can I refinance a mixed-use property for cash out?+
Potentially. Available leverage and documentation depend on property cash flow, value, occupancy and lender guidelines.
Related financing
Tell us your scenario
CTC Equity compares your scenario across its lender network. Program availability, pricing, leverage and documentation requirements vary by lender, borrower and property.