A flexible mortgage for properties that combine residential and commercial space, available to both owner-occupants and investors.
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Mixed-Use Property loans are designed for buyers purchasing buildings that combine residential and commercial space—such as storefronts with apartments above, live-work lofts, or multi-unit properties with a retail component. These loans can be structured for owner-occupants or investors, often with more flexible underwriting than conventional financing and higher loan-to-value ratios than traditional commercial loans. Qualification may be based on personal income, rental income, or DSCR, depending on the program.
For entrepreneurs, investors, and creative buyers, mixed-use loans unlock opportunities that many lenders overlook. They allow you to own a property that generates income, supports your business, and provides living space—all under one roof. By blending the flexibility of non-QM or investor financing with the functionality of a dual-purpose property, these loans make it easier to close unique deals that can appreciate significantly over time.
Elliman Capital specializes in financing hybrid-use properties, providing clear guidance through the residential-commercial gray area. Start with our quick online application, and we’ll structure a loan that meets your occupancy, income, and investment needs—while keeping the process smooth from contract to closing.
