Mixed-Use Loans.
Residential Over Commercial.
Up to 75% LTV. Long-term DSCR financing for 2–8 units.
What Is a Mixed-Use Loan?
A mixed-use loan finances a building that combines residential units with commercial space. At LenderX.ai it covers 2–8 total units with long-term 30-year DSCR structures, up to 75% LTV.
The commercial space must stay under 49% of the building, and residential income must exceed commercial income.
What Are the Mixed-Use Loan Terms?
Program terms as of October 6, 2026. Every deal prices differently, and all loans are subject to underwriting. Nationwide, state restrictions apply.
| Term | Mixed-Use |
|---|---|
| Property size | 2–8 total units |
| Leverage | Up to 75% LTV (geography-dependent) |
| Loan amount | $400,000 – $2,000,000 |
| Term | 30-year DSCR structures |
| Minimum DSCR | 1.10× |
| Credit | 700+ |
| Commercial limits | Retail, office, or restaurant only. Under 49% of the building |
| Income test | Residential income must exceed commercial income |
| Loan purposes | Purchase, rate/term refinance, cash-out refinance |
| Pricing | Quoted per deal |
Maximum figures shown are not available in combination on every transaction.
What Does a Mixed-Use Property Need to Qualify?
Right Mix
Commercial space limited to retail, office, or restaurant, under 49% of the building.
Residential Income Leads
Residential income must exceed commercial income.
Occupied Commercial
Commercial units must be occupied.
Experienced Investors
Mixed-use is for investors with experience.
Mixed-Use Loan Questions We Actually Get Asked
A building of 2–8 total units that combines residential units with commercial space. The commercial use must be retail, office, or restaurant.
Commercial space and income must stay under 49% of the building, and residential income must exceed commercial income.
Up to 75% LTV, though leverage depends on geography. Certain markets are restricted.
1.10×.
Yes. Commercial units must be occupied.
Yes. Mixed-use is for experienced investors.
$400,000 to $2,000,000.
We lend nationwide, and state restrictions apply. Send us the property address and we'll confirm whether we can lend there.
Other LenderX.ai Programs
Send Us the Address.
We'll Send You Real Terms.
Talk to a lender, not a sales team. No commitment. No appraisal until you see real numbers.
LenderX.ai originates business-purpose loans secured by non-owner-occupied investment property only. Program terms shown reflect best-available terms as of October 6, 2026 for the most qualified borrowers; your terms depend on credit, experience, property type, location, DSCR, project scope, and loan structure. Maximum figures shown are not available in combination on every transaction. Terms and program availability are subject to change without notice and state restrictions apply. This is not a commitment to lend.