A mixed-use loan finances properties that combine commercial space (retail, office, or restaurant) with residential units in a single building, underwritten on the combined commercial and residential rent roll. Options include conventional commercial mortgages, bridge loans, and SBA financing for owner-occupants, with LTVs up to 70–75%.
What is a Mixed-Use?
Mixed-use loans finance properties that blend commercial space (retail, office, restaurant) with residential units in a single building. These properties carry unique underwriting considerations because income comes from both commercial leases and residential rents.
ASB Capital Loan Funding offers mixed-use financing from conventional commercial mortgages to bridge and value-add structures. We evaluate the full rent roll — commercial and residential — to structure financing that fits your asset.
Program Highlights
- Flexible use requirements
- Competitive commercial rates
- Owner-occupied & investor options
- Multiple program options (conventional, bridge, SBA)
- Qualify on combined rent roll
- Nationwide lending
Who This Loan Is For
- •Investors acquiring mixed-use buildings
- •Owner-occupants running a business plus renting units
- •Buyers of properties with retail + residential
- •Value-add investors repositioning mixed-use assets
Typical Requirements
- •Property combines commercial and residential space
- •Combined rent roll supporting debt service
- •Down payment typically 20–30%
- •Leases and tenant mix evaluated
- •Property condition meeting appraisal standards
- •Borrower experience for some programs
Key Terms to Know
- Mixed-Use Loan
- Financing for properties that combine commercial and residential space, underwritten on combined rental income.
- Rent Roll
- A schedule of all leases and rental income for a property — the foundation of mixed-use underwriting.
- DSCR
- Debt Service Coverage Ratio — net operating income divided by debt payments. Mixed-use lenders typically look for 1.25+.
See our FAQ and loan resources for more definitions and checklists.