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Florida Property Type · Mixed-Use Property

Mixed-Use Property Mortgage in Florida

The split between living space and commercial space decides residential vs. commercial financing.

Drives loan
Residential %
Residential or commercial
Loan Type
15%+
Down
Urban cores
Florida
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5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Mixed-Use Property · Florida

Mixed-Use Property Mortgage From a Florida Mortgage Broker

A mixed-use property — say an apartment above a storefront — can be financed residentially or commercially depending on how much of it is residential. The ratio is the whole game.

When the residential portion dominates (commonly 51%+ of the square footage and value) and the commercial use is limited, certain lenders will write it on residential terms. Heavier commercial use pushes it to a commercial or DSCR loan, with larger down payments and shorter terms. The number of units and zoning also matter.

We assess the residential-to-commercial split and zoning, then match you to the lender whose box your property fits — residential when possible for the better rate, commercial when the use requires it.

Mixed-Use Property at a Glance

✓Residential share of the property drives the loan type.
✓Majority-residential can qualify for residential terms.
✓Heavy commercial use means a commercial or DSCR loan.
✓Zoning and unit count factor into approval.

Go deeper on financing a mixed-use property: Mixed-Use Property Loan Requirements · How to Finance a Mixed-Use Property · FHA Mixed-Use Property Loan · Conventional Mixed-Use Property Loan · DSCR Mixed-Use Property Loan.

Mixed-Use Property Snapshot
Residential %Drives loan
Loan TypeResidential or commercial
Down15%+
FloridaUrban cores
How It Works
01
Apply Online
5 min · soft credit pull only
02
Match Loan
We shop lenders for the property
03
Processing
Our team handles paperwork
04
Close
Typically 14–21 days
FAQ

Mixed-Use Property Questions

Can I get a residential mortgage on a mixed-use property?

Sometimes. If the residential portion dominates the square footage and value and the commercial use is limited, certain lenders write it on residential terms. Heavier commercial use requires a commercial or DSCR loan. We assess the split first.

How much down payment for a mixed-use property?

On commercial or DSCR financing, expect 20% to 30% down. A majority-residential property handled on residential terms can require less. The exact figure depends on use, units, and the lender, which is why we shop it.

Keep Going
Mixed-Use Property Loan RequirementsHow to Finance a Mixed-Use PropertyFHA Mixed-Use Property LoanConventional Mixed-Use Property LoanDSCR Mixed-Use Property LoanAll Property TypesApply for Pre-Approval

Financing a Mixed-Use Property?

A licensed Florida mortgage broker who matches the loan to the property — 5-minute pre-approval, honest numbers.

(561) 300-0380

Figures are illustrative only and vary by property, credit score, loan amount, income, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.