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Mixed-Use Property · Financing Guide

How to Finance a Mixed-Use Property in Florida

Financing a mixed-use property in Florida is a question of matching the property to the right loan. This guide walks through the options, the down payments, and the order to do things in.

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

How to Finance a Mixed-Use Property in Florida

Financing a mixed-use property starts with a pre-approval that accounts for the property's quirks. Then you match it to the loan that fits and shop that loan across lenders. The biggest mistake buyers make is choosing the property before confirming it is financeable on the terms they expect. We reverse that order.

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 · FHA · Conventional · DSCR.

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

How to Finance a Mixed-Use Property Questions

What is the best way to finance a mixed-use property?

Start with a pre-approval built around the mixed-use property's specifics. Then shop the matching loan across lenders instead of taking the first quote. We handle both so the financing fits the property and your budget.

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 · FHAMixed-Use Property · ConventionalMixed-Use Property · DSCRAll Property TypesApply for Pre-Approval

How to Finance 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.