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Mixed-Use Property · DSCR

DSCR Mixed-Use Property Loan in Florida

A DSCR loan finances a mixed-use property on the property's rental income instead of your paystubs — ideal for investors. Here is how DSCR works on a mixed-use property in Florida.

Drives loan
Residential %
Residential or commercial
Loan Type
15%+
Down
Urban cores
Florida
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Mixed-Use Property · DSCR

DSCR Mixed-Use Property Loan in Florida

DSCR financing qualifies a mixed-use property on its debt-service-coverage ratio — whether the rent covers the mortgage — with no tax returns or income docs. Expect 20%-25% down and reserves. For investors building a Florida portfolio, DSCR on a mixed-use property removes the personal-income bottleneck. We shop DSCR lenders to fit the cash flow.

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.

Read the full mixed-use property financing guide, or compare other angles: Requirements · Financing Guide · FHA · Conventional.

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

DSCR Mixed-Use Property Loan Questions

Can I use a DSCR loan for a mixed-use property?

If the mixed-use property is a rental that cash flows, yes. DSCR qualifies on the property's rent rather than your income, with 20%-25% down. It is the go-to for Florida investors, and we shop DSCR lenders to match the numbers.

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.

Official resources

Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.

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Mixed-Use Property GuideMixed-Use Property · RequirementsMixed-Use Property · Financing GuideMixed-Use Property · FHAMixed-Use Property · ConventionalAll Property TypesApply for Pre-Approval

DSCR Mixed-Use Property Loan?

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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.