Retail with apartments
Eligibility and structure depend on the complete borrower, property and transaction profile.
Home / Loan programs / Mixed-Use Financing
Commercial Financing
Mixed-Use Financing
Financing for eligible properties combining residential and commercial uses under one collateral and operating plan.
Eligible commercial-property jurisdictions nationwide; Nevada excluded unless handled through a verified Nevada-licensed channel
Who it is built for
Start with the actual use case.
Investors and owner-users financing buildings with more than one property use.
Key decision
The residential-commercial mix, zoning, income allocation and lender property classification must be clear.
Office with residential units
Eligibility and structure depend on the complete borrower, property and transaction profile.
Neighborhood mixed-use acquisition
Eligibility and structure depend on the complete borrower, property and transaction profile.
The direct answer
How this program works.
Mixed-use property combines residential and commercial uses. The mix, leases and permitted use determine the appropriate underwriting channel.
Compare the alternative
Compare specialty residential acceptance with commercial treatment only after documenting the use mix.
Illustrative example
A storefront with apartments above it is different from an ordinary duplex. Separate commercial rent, residential rent and related expenses.
Important boundaries
- A residential component does not automatically qualify the whole property for residential financing.
- Nevada commercial inquiries are stopped.
Source checked October 9, 2026: FDIC — Commercial real-estate lending framework (underwriting context, not a product offer) ↗. Published guidance is educational; lender examples do not establish RedZone availability.
Nevada commercial property notice
Commercial mortgage services advertised through this website are not offered for commercial real property located in Nevada unless the transaction is handled exclusively by an appropriately licensed or exempt Nevada mortgage company and a properly sponsored Nevada-licensed mortgage loan originator. Separate business-purpose financing may be available for qualifying residential investment properties.
General structure
What gets reviewed.
- Eligible property type and jurisdiction
- Sponsorship, experience, liquidity and global financial strength
- Property operating history, projections and debt-service capacity
- Clear business plan, capital stack and exit or permanent-financing strategy
Potential advantages
Where it can work.
- Access to bank, agency, government-guaranteed, private-credit and specialty channels
- Structures can match acquisition, construction, stabilization or long-term ownership
- Property and sponsor strategy are evaluated together
Limitations
Where it can break.
- Nevada commercial, land and non-dwelling property inquiries are not accepted through this website
- Loan terms depend on property, sponsorship, jurisdiction and lender appetite
- Third-party reports, recourse, deposits and closing timelines can vary widely
First-pass file map
Bring enough information to get a real answer.
The point is not to collect every document before a conversation. It is to avoid pricing a fantasy version of the transaction.
- 01Income by use and unit
- 02Commercial leases and rent roll
- 03Zoning and property records
Program FAQs
Direct answers, clean qualifiers.
Who is Mixed-Use Financing designed for?
Investors and owner-users financing buildings with more than one property use.
What can Mixed-Use Financing be used for?
Mixed-Use Financing may be considered for purchase, refinance, renovation, subject to the property, borrower, lender and jurisdiction.
What should I prepare for a Mixed-Use Financing review?
A useful first review commonly includes income by use and unit, commercial leases and rent roll, zoning and property records. The final list depends on the selected lender and transaction.
What is the most important decision with Mixed-Use Financing?
The residential-commercial mix, zoning, income allocation and lender property classification must be clear.
Is Mixed-Use Financing automatically available if I meet general guidelines?
No. Every transaction remains subject to credit, property, documentation, lender, program and jurisdiction approval. Published information is educational, not a commitment to lend.
Related financing lanes
Compare before you commit.
Property and jurisdiction first
Find out whether this lane fits the real transaction.
Content updated October 9, 2026 · Source checks do not constitute lending/compliance approval · Product availability and guidelines require transaction-specific confirmation · This is not a commitment to lend.