Mixed Use Loans California — Resolution Equity
Mixed Use Loans
Financing for properties that combine residential and commercial uses — a growing asset class in California's urban markets.
Key Benefits
- Residential and commercial combined
- Urban infill and main street properties
- Purchase, refinance, and cash-out
- Investment and owner-occupied options
- Flexible underwriting for mixed income
- Loan amounts from $500K to $10M+
- Bridge and permanent financing
- Portfolio lender options available
About Mixed Use Loans
Mixed-use properties combine residential units with ground-floor commercial space in a single building. These properties are increasingly common in California's walkable urban neighborhoods and require lenders with experience in both residential and commercial underwriting. Resolution Equity offers financing solutions tailored to the unique characteristics of mixed-use real estate.
Underwriting Complexity
Mixed-use properties are underwritten by analyzing both the residential rental income and the commercial rental income. The commercial component's lease quality, tenant type, and vacancy risk are all factored into the analysis.
Residential vs. Commercial Classification
The classification of a mixed-use property (residential vs. commercial) depends on the percentage of income derived from each use. Properties with more than 20–25% commercial income are typically classified as commercial and require commercial financing.
Portfolio Lenders
Many mixed-use properties don't fit neatly into agency or conventional programs. Portfolio lenders who hold loans on their own books offer more flexibility in underwriting these unique assets.
Questions About Mixed Use Loans?
Our licensed team in Temecula is ready to walk you through your options and get you pre-qualified fast.