Residential tenants typically provide a more stable source of rental income; ground-floor retail tenants are often willing to pay a higher rent. So mixed-use property financing has to take into account the revenue potential of both types of tenants. The mix of uses can cause the values of two different buildings in the same area to be quite different. Comparisons aren’t so simple.
At Marques Direct, our experience with mixed-use financing helps us see the potential that others may miss. We have loan programs, such as Flex Term, which are geared specifically for easy qualification and the flexibility to remain in a loan for up to 30 years. Our mixed-use property loans are designed to provide financing options for properties that combine residential and commercial spaces.
The Flex Term loan is asset-based. So the loan amount is based on the revenue-generating potential of the property. Our ability to evaluate the tenant mix and the value of mixed-use buildings helps us assist self-employed investors and small business owners when others can’t. This approach provides a flexible option for borrowers seeking a mixed-use property loan for qualifying investment or owner-user properties.
Mixed-Use Property Financing
Mixed-use properties require a financing approach that considers both residential and commercial income. Marques Commercial Capital provides mixed-use property financing for qualifying properties with multiple uses, helping investors and business owners explore financing based on the property's value and revenue-generating potential.
Whether you are purchasing a new mixed-use property or refinancing an existing property, our financing options are designed to accommodate the unique characteristics of these properties. Our mixed-use loans can be structured around the specific property, tenant mix, and investment objectives.
Loan Program Features & Guidelines
Program at a Glance
Property Types
Multifamily, Mixed-Use, Office, Retail, Light Industrial, Mobile Home Parks, Self Storage, and SFR Pools.
Nationwide Lending
Commercial financing available throughout the United States.
Loan Amounts
Financing from $100,000 to $20,000,000.
Flexible Loan Terms
Fixed loan terms available from 1 to 30 years.
30-Year Amortization
Long-term amortization designed to maximize cash flow.
Case-by-Case DSCR
Minimum DSCR is evaluated based on the strength of each transaction.
Maximum Loan-to-Value
Finance up to 75% Loan-to-Value (LTV).
CLTV Up to 90%
Combined Loan-to-Value available up to 90% for qualified borrowers.
Fixed Interest Rates
Stable fixed-rate financing options are available.
Occupancy Options
Available for both investor-owned and owner-user commercial properties.
No Minimum Credit Score
No minimum credit score requirement to qualify.
Rate Buydown Available
Eligible borrowers can reduce their interest rate with available rate buydown options.
Get The Information You Need
To learn more, call (888) 543-4410 , or complete the contact request form below and one of our investment and small commercial property specialists will reach out to you
Owners of businesses as well as investors often seek mixed-use financing. Investors typically act as a landlord of both commercial and residential tenants. But business owners often will live in a residential unit and operate the business out of a commercial space. Our mixed-use property loans provide financing options designed around the unique characteristics of these properties.
Why Choose Marques for Mixed-Use Financing?
Marques Commercial Capital understands that financing a property with both residential and commercial space requires a different approach. Our experience with mixed use property financing allows us to evaluate the property's tenant mix, revenue potential, and overall value when considering financing solutions.
Whether you are an investor seeking a mixed use mortgage loan or a business owner looking for financing through commercial real estate loans for an owner-occupied mixed-use property, our team can help you explore available options based on your specific situation.
Your Commercial Lending Questions, Answered
Explore answers to common questions about our commercial mortgage programs, investment property financing, and lending process. Learn how Marques Commercial Direct helps investors secure flexible financing solutions tailored to their real estate goals.
What is a mixed-use property loan?
A mixed-use property loan is financing for a property that combines two or more uses, such as residential units and commercial or retail space. Marques Commercial Capital offers financing solutions for qualifying mixed-use properties based on the property’s characteristics and revenue-generating potential.
Does Marques Commercial Capital offer mixed-use financing?
Yes. Marques Commercial Capital offers flexible mixed-use financing for qualifying investor-owned and owner-user commercial properties. Available financing can be used for eligible mixed-use property purchases and refinancing transactions.
What types of properties qualify for mixed-use property loans?
Mixed-use properties can include buildings that combine residential units with retail, office, or other commercial space. Each property is evaluated based on factors such as its tenant mix, revenue potential, property value, and overall transaction strength.
How does mixed-use property financing work?
Mixed-use property financing considers the income potential of both the residential and commercial portions of a property. Marques Commercial Capital uses an asset-based approach for applicable programs, with the loan amount based in part on the property’s value and revenue-generating potential.
Do you offer mixed-use loans for investors?
Yes. Investors may use mixed-use loans to finance qualifying properties that contain both residential and commercial components. Financing options and terms depend on the property, transaction, and applicable loan program.
Can business owners get financing for a mixed-use property?
Yes. Mixed-use properties can be suitable for business owners who operate their business from commercial space while also occupying a residential portion of the property. Marques Commercial Capital offers financing options for qualifying owner-user commercial properties.
Are mixed-use mortgage loans available for refinancing?
Yes. Depending on the property and transaction, mixed-use mortgage loans may be available for refinancing eligible mixed-use properties. Our team can review the property and financing objectives to determine which options may be appropriate.