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Property types

Mixed-use and commercial DSCR loan guide

Mixed-use and commercial properties can require extra review of tenants, leases, income stability, property type, and program eligibility.

What makes mixed-use different

Income may come from residential and commercial tenants, which can change how rent, vacancy, lease terms, and collateral are reviewed.

  • Residential vs commercial income mix
  • Lease term and tenant quality
  • Property use and zoning
  • Collateral and appraisal requirements

Use DSCR as a starting point

Calculate NOI and debt service first, then request broker review to compare whether a DSCR or commercial path may fit.

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