COMMERCIAL / MIXED USE
Mixed-Use Property Financing
Mixed-use financing has to account for the interaction between residential, retail, office, or other components rather than pretending the asset is one-dimensional.
PART OF / Commercial Real Estate LoansUnderstand the parent funding structure
THE CONTEXT CHANGES THE CONVERSATION
One Building. Multiple Income Stories.
Commercial real estate financing is evaluated around property operations, tenants, leases, value and the borrower's strength. Owner-occupied and investment transactions follow different paths.
01
Break out each income stream and its associated expenses.
02
Different occupancies can introduce different lease, insurance and valuation assumptions.
PREPARE FOR THIS CONVERSATION
Bring the specifics.
- Income and expense breakdown by use
- Leases, occupancy details and property plans
Keep an eye on
- Tenant rollover can change income during the loan.
- Environmental review, appraisal and a balloon maturity can affect the transaction.
T / CAPITAL, CONSIDERED
Work through the assumptions.
04 / CAPITAL, CONSIDERED
Keep these on the shortlist.
SBA Commercial Real Estate LoansSBA commercial real estate financing can be relevant for eligible owner-occupied business property transactions, subject to program and lender requirements.Bridge LoansBridge financing can buy time for acquisition, stabilization, rehab, lease-up, refinance, or another defined transition.Investment Property LoansInvestment property financing is not one product. Rental, DSCR, bridge, hard money, fix-and-flip, and commercial structures each solve a different part of the investor playbook.
THE BIGGER PICTURECapital is one part
Capital is one part
of the plan.
BUSINESS CONTEXT
Mixed-use
Q / CAPITAL, CONSIDERED
A question worth asking.
Can all income be analyzed as one rent stream?
A combined total can hide concentration and operating differences. Separate commercial and residential assumptions before combining them.
YOUR NEXT MOVE
A specific need deserves a specific plan.
Start with your profile. Understand the tradeoffs. Prepare a clear request.