Mixed-Use and 2-8 Unit Investor Loans
Most agency programs cap at 4 units, leaving 5-8 unit and mixed-use properties to specialty investor programs. DSCR-style underwriting still applies — the building qualifies on its own rent roll, including the commercial portion when applicable. Pricing sits between residential DSCR and commercial multifamily.
Highlights
- •2-8 unit small multifamily eligible
- •Mixed-use with residential majority (51%+ residential income)
- •Existing rent roll and lease estoppels used to qualify
- •Up to 75–80% LTV on purchase
- •No personal income docs
Who it's for
Investors graduating from 4-unit conventional into 5-8 unit small multifamily, urban infill buyers, and investors with retail/storefront on the ground floor and apartments above.
Active programs that fit
Bridge Loan for Investors
confirmed 5/9/2026Bridge refinance program for 1-4 unit, multi-family, and mixed-use properties allowing cash out of the entire budget on day one.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan for multi-family and mixed-use properties with loan amounts up to $5MM.
DSCR Loan for Investment Properties
confirmed 5/9/2026A DSCR loan program for residential 5-8 unit investment properties, offering fixed-rate and interest-only options with loan amounts up to $3 million.
Non-QM Investor Loan
confirmed 5/9/2026A 30-year fixed rate program for various property types including residential and commercial, featuring no minimum credit score requirement at 50% LTV.
DSCR Loan for Investment Properties
confirmed 5/11/2026A non-QM investment property loan for 5-8 unit residential properties, offering fixed-rate and interest-only options with a minimum DSCR of 1.00.
Frequently asked questions
What’s the difference between a 5-unit DSCR and a commercial multifamily loan?
A 5-unit DSCR loan uses residential underwriting (single appraiser, no commercial DCR analysis, no recourse trigger from KPIs) at smaller loan sizes. Commercial multifamily uses a Yield Maintenance / Defeasance / DSCR-floor structure and is usually $1M+. DSCR programs are simpler and faster for 5-8 unit properties under $2M.
How is mixed-use defined?
Most programs require residential rent to make up at least 51% of gross income. Commercial space cannot exceed 35–49% of total square footage depending on the lender.
Will a vacant commercial unit kill my DSCR?
Vacant commercial space is usually credited at 0 income, which lowers DSCR. A few programs allow market-rent crediting for vacant commercial if comparable leases support it.
What loan amounts apply?
Typically $250K minimum to $3M+. Above $2M, expect more lender questions on rent roll and operating statement.
Got a mixed-use & 2-8 unit scenario?
Tell us the deal - we'll match you with the right lender and come back with current pricing.
Common questions on this topic
By state
Related programs
Blanket Loans for Real Estate Investors
Blanket loans cover multiple investment properties under a single mortgage. DSCR underwriting at the portfolio level, release clauses, and one closing.
Cross-Collateral Loans for Investors
Cross-collateral loans use equity from one investment property to support financing on another. Solve down payment shortfalls without selling.