Mixed-Use Properties
Explore financing strategies for mixed-use properties, with the structure matched to cash flow, assets, transaction purpose and timing.
Financing Starts With the Business Model
CMCC reviews the financing objective in the context of the company's cash flow, collateral, operating cycle, ownership and transaction structure. Industry labels help frame the review, but they do not replace underwriting.
- Acquisition and ownership transition
- Working capital and liquidity
- Equipment and vehicles
- Owner-occupied or investment real estate where applicable
- Debt restructuring and expansion
Have a Mixed-Use Properties scenario?
Send CMCC the non-sensitive facts and objective. We will identify the information needed for a proper initial review.
Request a Review →Mixed-Use Properties: What Funding Sources Typically Look At
Mixed-use properties combine commercial and residential income, so funding sources look at both: the commercial tenants' lease terms and credit, and the stability of the residential units. The share of income from each use and local zoning can influence the structure.
Common Financing Uses
- Purchasing a building with retail below and apartments above
- Refinancing or cash-out
- Bridge financing for renovation or lease-up
- Owner-occupied mixed-use purchases
Documentation Typically Requested
A rent roll for each use, leases for commercial tenants, operating statements and the property's zoning and use details.
Illustrative Scenario
An owner of a storefront-and-apartments building might show lease terms for the retail tenants and occupancy history for the apartments.
Hypothetical example for illustration only. It is not a CMCC client, a prediction or an approval.
Financing paths and guides
Related industries
Match the Capital to the Business Need
The right structure depends on what the business is financing, how repayment is supported, the available collateral and the timing of the transaction.
Commercial Real Estate
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EXPLORE →DSCR Calculator
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EXPLORE →LTV Calculator
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EXPLORE →Ready to discuss a real Mixed-Use Properties request?
Start with a non-sensitive review or move directly to the commercial financing application.