# Residential + Commercial Investment Property: Mixed-Use Financing By Anthony Angelillo (@anthonyangelillo) · Published 2026-09-04 Canonical: https://voce.com/@anthonyangelillo/2-8-unit-mixed-use-dscr-financing --- Mixed-use properties can offer investors something traditional residential properties often cannot: **multiple types of income within one real estate asset**. A building may include residential apartments on the upper floors while the ground level contains a restaurant, retail store, office, or other eligible commercial space. For investors, that combination can create additional opportunities, but it can also make traditional financing more difficult. Tag Lending Group offers a **2–8 Unit Mixed-Use DSCR Financing Program** designed specifically for real estate investors purchasing or refinancing qualifying properties that combine residential and commercial space. ## What Is a Mixed-Use Property? A mixed-use property includes both **residential and commercial components within the same property**. Common examples may include: - Apartments above retail storefronts - Residential units above restaurants - Office space combined with residential apartments - Small multifamily buildings with ground-floor commercial tenants - Neighborhood mixed-use investment properties These properties can allow investors to diversify rental income while owning one property. ## Program Highlights Qualified investors may have access to: - **Loan amounts from $400,000 to $2,000,000** - **Minimum 1.10 DSCR** - **Minimum 700 credit score** - **Up to 75% LTV on purchases** - **Up to 65% LTV on cash-out refinances** - Commercial space and lease income-limited to **49%** - **Retail, restaurant, and office use allowed** - **LLC, corporation, trust, and individual vesting allowed** - **1-business-day turn times** All financing is subject to program guidelines, underwriting, documentation requirements, property eligibility, and credit approval. ## Why DSCR Financing Can Be Valuable for Investors DSCR stands for **Debt Service Coverage Ratio**. Rather than relying solely on a borrower's traditional personal income qualification, DSCR financing evaluates whether the property's rental income can support its debt obligations. For investors purchasing mixed-use properties, this can provide an alternative financing path when the property itself generates income from multiple tenants or uses. A qualifying mixed-use property may produce income from: - Residential rents - Retail tenants - Office tenants - Restaurant leases - Other eligible commercial occupants This structure can make DSCR financing especially relevant for investors focused on income-producing real estate. ## Purchase Financing Up to 75% LTV Investors acquiring qualifying mixed-use properties may be eligible for financing up to **75% loan-to-value on purchases**. That can make the program useful for investors looking to expand into properties that combine residential apartments with commercial space. Instead of limiting investment strategies to traditional single-family rentals or residential multifamily properties, investors may be able to consider a broader range of real estate opportunities. ## Cash-Out Refinancing Up to 65% LTV Investors who already own qualifying mixed-use properties may also be able to access equity through a **cash-out refinance up to 65% LTV**. Depending on the investor's objectives, cash-out proceeds may potentially be used for purposes such as: - Acquiring additional investment properties - Renovating or improving existing properties - Repositioning an investment portfolio - Building liquidity for future opportunities Eligibility and permitted uses remain subject to applicable lending guidelines. ## Commercial Space Can Represent Up to 49% One of the key features of this program is the ability to finance qualifying properties where commercial space and commercial lease income represent up to **49% of the property**. Eligible commercial uses may include: **Retail | Restaurant | Office** This creates additional flexibility for investors evaluating properties that do not fit traditional residential lending guidelines. ## Flexible Vesting Options The program may also allow ownership through: - **LLCs** - **Corporations** - **Trusts** - **Individual ownership** For experienced real estate investors who hold properties through business entities, this can provide additional flexibility when structuring an investment. ## Who Is This Program For? This program is designed primarily for **real estate investors purchasing or refinancing 2–8 unit mixed-use investment properties**. It may be particularly useful for investors who: - Want residential and commercial income within one property - Are purchasing small mixed-use buildings - Own mixed-use real estate and want to access equity - Need an alternative to traditional residential financing - Invest through an LLC, corporation, or trust - Want to expand into income-producing mixed-use properties ## Mixed-Use Properties Can Create More Investment Opportunities Mixed-use real estate can provide investors with another way to diversify a portfolio by combining residential demand with commercial tenancy. The key is finding a financing structure that recognizes how these properties actually operate. With loan amounts up to **$2 million**, DSCR qualification, flexible commercial use, and purchase and refinance options, the 2–8 Unit Mixed-Use Financing Program can help qualified investors evaluate opportunities that may fall outside traditional mortgage guidelines. ## Have a Mixed-Use Property You're Considering? Every mixed-use property is different. The number of units, rental income, commercial use, property configuration, DSCR, credit profile, and requested leverage can all affect eligibility. ### Ready to Discuss Your Mixed-Use Scenario? Have a 2–8 unit mixed-use property you’re looking to purchase or refinance? **Schedule a meeting with Anthony Angelillo** to review the property, financing goals, and available options. **Let’s TAG TEAM This Deal!™** [Schedule a Meeting with Anthony Angelillo](https://lending.tagteamnation.com/meetings/aangelillo)