Mixed Use DSCR Loans
Finance properties that combine commercial and residential units, such as a storefront with apartments above, using the property’s income.
Income-producing buildings with more than one use
Mixed-use properties pair commercial space with residential units. A Mixed Use DSCR loan looks at the building’s rental income so you can finance a multi-purpose property without relying on personal income documentation.
- For properties with both residential and commercial units
- Qualification centered on the building’s rental income
- Purchase and refinance options for eligible properties
- Diversified income from more than one tenant type
Why investors choose Mixed Use DSCR
Multiple income streams
Commercial and residential tenants can diversify the property’s cash flow.
Property-focused
Qualification centers on the building’s income, not personal tax returns.
Scale your portfolio
Add larger, more complex properties as your portfolio grows.
Experienced guidance
Mixed-use scenarios vary, so a loan officer who knows investors helps.
Who it is for
- Investors buying a storefront with apartments above
- Owners looking to refinance a mixed-use building
- Portfolio investors adding multi-tenant properties
- Investors in walkable downtown and main-street markets
Financing for properties with more than one use
Storefront plus apartments
A classic main-street property with retail below and units above.
Office plus residential
Professional space combined with rental housing.
Downtown investments
Walkable-market buildings with mixed tenants.
DSCR financing in Ohio, Florida & Tennessee
Justus Sharp is licensed in all three states, so you work with one lender-direct team whether your next property is in the Buckeye State, the Sunshine State or the Volunteer State.
Ohio
Home base. Justus and the team are based in Grove City and know Columbus-area and statewide rental markets.
Florida
Long-term rentals, vacation properties and short-term rentals across Florida's investor markets.
Tennessee
Growing investor demand from Nashville to Knoxville, including Airbnb and mid-term rental strategies.
Mixed Use DSCR questions answered
What is a Mixed Use DSCR loan?
A DSCR loan for a property that contains both commercial and residential space. Qualification centers on the property’s rental income.
What mix of commercial and residential is allowed?
Program guidelines vary, including how much of the building may be commercial. Share the property details and Justus will confirm what may be available.
Can I refinance a mixed-use building?
Options may be available, depending on the property, its income and the program’s requirements.
Is this available in Ohio, Florida and Tennessee?
Justus Sharp is licensed in these states and others. Contact us to confirm availability for your property.
How do I start?
Apply online or contact Justus with the address, price or value, and the rent roll. He will review the scenario and outline your options.
Program availability, rates, terms and qualification requirements vary by borrower, property and state, and are subject to change without notice. This is not a commitment to lend.
Explore our other investor loans
DSCR Airbnb / STR
Financing for short-term rentals using the property's rental performance.
Learn more →Ready to scale your rental portfolio?
Tell us about the property and your goals. Justus and the team will help you find the right DSCR structure.