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Can I get a DSCR loan on a mixed-use property?

Short answerSome DSCR lenders finance mixed-use properties, typically when the residential portion dominates, often at least 50 to 75% of the square footage or income, depending on the lender. Heavy commercial use usually pushes the deal into commercial lending instead. Check the property mix before applying, since guidelines vary widely.
Reviewed by Juan Fernando Romero, NMLS 2557318Updated

The details

A building with apartments over a small retail space is the classic mixed-use profile DSCR lenders will consider.

Zoning must legally permit the current use, and the appraisal must support the income from both components.

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