Commercial
Mixed Use Loans
Unlock the potential of your real estate investments with CMRE's Mixed Use Loans. Finance properties that combine residential and commercial spaces, offering unique income opportunities and investment diversification. With rates starting at 8.5%, our flexible loan options are designed to help you achieve your business and investment goals.
Program Benefits
Diversify your income streams by combining residential and commercial rentals.
Finance properties that offer both living and working spaces, maximizing utility.
Competitive rates starting at 8.5% help improve your investment's profitability.
Flexible loan terms tailored to your specific financial needs and investment strategy.
Build equity faster with strategic real estate investments in thriving mixed-use properties.
Expert guidance from CMRE's experienced loan specialists throughout the entire process.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$100K - $5M
Amortization Options
Eligible Properties
- Retail with Apartments
- Office with Condos
- Restaurant with Residential Units
- Mixed-Use Buildings
- Commercial Space with Apartments
Program Requirements
Income Documentation
- •Demonstrate stable income from current employment or business ventures.
- •Provide documentation of rental income from existing properties, if applicable.
- •Submit a detailed business plan outlining the income potential of the mixed-use property.
- •Income verification may include tax returns, pay stubs, and bank statements.
Asset Verification
- •Sufficient liquid assets to cover the down payment, closing costs, and initial operating expenses.
- •Verification of assets through bank statements and investment account statements.
- •Real estate holdings and other investments will be considered as part of your overall asset profile.
- •Clear and unencumbered title to any existing properties.
Insurance & Title
- •Comprehensive property insurance covering both residential and commercial aspects of the property.
- •Liability insurance to protect against potential claims from tenants or customers.
- •Flood insurance may be required depending on the location of the property.
- •Business interruption insurance to cover lost income in the event of unforeseen circumstances.
Property Requirements
- •Minimum FICO score of 640.
- •A strong credit history demonstrating responsible financial management.
- •Low debt-to-income ratio to ensure affordability.
- •No recent bankruptcies, foreclosures, or significant delinquencies.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
A mixed-use property combines residential and commercial spaces within a single building or development. This can include retail shops with apartments above, office spaces with residential units, or a combination of various commercial and residential uses.
Mixed-use properties offer diverse income streams, potentially lower vacancy rates, and the opportunity to capitalize on both residential and commercial markets. They can also attract a wider range of tenants and customers.
Loan terms for mixed-use properties vary depending on the lender and the specific property. CMRE offers flexible loan terms tailored to your individual needs, with options for fixed-rate and adjustable-rate mortgages.
CMRE requires a minimum FICO score of 640 for mixed-use loans.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
