Can one loan cover the business space and rental units?
Potentially. A lender may finance the entire eligible mixed-use property after analyzing owner occupancy, residential and commercial income, leases, expenses, value, and program rules.
Call AhooMixed-use property financing
How do I finance a mixed-use commercial and rental property?
A mixed-use loan is structured around the full occupancy and income picture—residential rents, commercial leases, owner-user business space, property value, expenses, and the borrower’s purchase, refinance, or improvement goal.
Answers before an application
The questions investors ask before they move forward.
Is DSCR available for mixed-use property?
Select DSCR or rental-income programs may consider eligible mixed-use properties, while larger or more heavily commercial properties may require a commercial loan.
Can SBA finance mixed-use real estate?
Potentially, when the eligible operating business occupies the required portion and the complete transaction meets SBA and participating-lender rules. Pure investment real estate is not an SBA use.
Can I refinance and take cash out?
Potentially. Commercial, DSCR, bridge, or private programs may provide qualifying cash out based on value, payoff, property performance, borrower, and documented use of funds.
Your scenario