Finance storefront-plus-apartment properties with DSCR mixed use loans. REIF Loans offers transparent commercial financing built for investors.
Mixed-use investments blend commercial and residential income streams think retail space on the ground floor and apartments above.
At REIF Loans, we make financing these hybrid properties straightforward and investor-focused. Whether you’re purchasing, refinancing, or improving a property, our DSCR-based mixed-use mortgage programs help you grow confidently.
A mixed-use mortgage finances properties that combine commercial and residential units under one roof. These are often “storefront-plus-apartment” layouts or small commercial buildings with housing upstairs.
Unlike traditional loans, mixed-use mortgages factor both rental and business income into qualification.
This structure allows investors to earn from multiple sources while diversifying risk across tenant types.
Debt Service Coverage Ratio (DSCR) loans focus on property cash flow rather than your personal income. The property’s net operating income (NOI) is compared to its mortgage payment to determine eligibility.
DSCR = Net Operating Income / Total Debt Payments
If your DSCR is 1.0 or higher, the property’s income covers its debt. Even ratios slightly below 1.0 may still qualify with adjusted terms.
With REIF Loans, you gain financing flexibility designed to match your investment goals.
Mixed-use loans provide freedom beyond traditional bank mortgages. Investors often choose them for their simplicity and leverage potential.
Approval focuses on property income, not tax returns or W-2s.
Finance multiple mixed-use or multi-unit buildings under one strategy.
Up to 75% LTV for qualifying properties.
Pull equity from existing investments to fund new acquisitions.
30-year fixed rates help you plan around predictable payments.
Understanding NOI is key to securing your loan. Lenders use it to measure your property’s income potential.
Operating expenses include taxes, insurance, utilities, and maintenance but exclude mortgage payments or depreciation.
These tools help you gauge whether your property meets DSCR thresholds before you apply.
At REIF Loans, we understand what makes mixed-use projects unique – multiple income sources, complex zoning, and higher long-term upside. We’re investors ourselves, so we focus on what truly drives success: steady cash flow and smart leverage.
Our mission: Value, Results, Service. helping you invest with confidence.
Any property that blends commercial and residential space, such as a ground-floor shop with upper apartments.
Yes, appraisers can estimate fair market rent for unleased units.
Yes. Ground-up or major renovation projects can qualify under commercial DSCR programs.
Absolutely. REIF Loans offers Foreign National DSCR programs with additional documentation.
Some investors qualify with lower ratios through our no-ratio DSCR options.
If your goal is to own income-producing real estate that combines storefronts and apartments, REIF Loans can help you make it happen. Our investor-focused lending programs simplify approval, improve cash flow, and support long-term portfolio growth.
