Financing Solutions for Multi-Family & Mixed-Use Properties
At Crestico, we're more than a mortgage brokerage—we're your strategic ally in multi-family and mixed-use commercial real estate financing.
Multi-family and mixed-use properties represent dynamic investment opportunities, offering the potential for consistent rental income and portfolio diversification. At Crestico.com, we specialize in providing tailored financing solutions for investors and developers looking to acquire, refinance, construct, or renovate these valuable assets. Whether you’re investing in an apartment complex, a duplex, a townhome community, or a building blending residential units with commercial spaces, we have the expertise to support your vision.
Understanding the unique characteristics of multi-family and mixed-use properties is key to structuring the right financing. Our team is experienced in evaluating these projects, considering factors like unit mix, tenant demand, lease structures, and the synergy between residential and commercial components in mixed-use developments.
Specialized Commercial Loans | Hard Money & Portfolio Options?
Our Loan Options for Multi-Family & Mixed-Use Properties
Crestico offers a variety of loan programs designed to meet the diverse needs of multi-family and mixed-use property investors:
Acquisition Loans
Secure the capital you need to purchase existing multi-family or mixed-use buildings, with competitive terms and loan-to-value (LTV) ratios.
Refinance Loans
Optimize your current investment by refinancing an existing mortgage. You could potentially lower your interest rate, change your loan term, or cash out equity for other investments or property improvements.
Construction Loans
For developers embarking on new multi-family or mixed-use projects, we offer construction financing with flexible draw schedules to keep your project on track from groundbreaking to completion.
Rehabilitation/Renovation Loans
Finance significant upgrades or renovations to an existing property to increase its value, improve tenant appeal, or reposition it in the market.
Agency Financing
For qualifying properties, we can facilitate access to agency loan programs known for their favorable terms and competitive rates for stabilized multi-family buildings.
Bridge Loans
Short-term financing solutions for time-sensitive acquisitions, properties requiring stabilization before permanent financing, or to bridge a gap in funding.
Key Benefits of Investing in Multi-Family & Mixed-Use Properties:
These property types offer several attractive advantages for investors:
Consistent Cash Flow
Rental income from multiple units can provide a steady and predictable cash flow.
Scalability
Risk Diversification
Appreciation Potential
Underwriting Considerations for Your Loan
When evaluating your loan application for a multi-family or mixed-use property, we typically consider:
Debt Service Coverage Ratio (DSCR)
The property’s ability to generate enough income to cover its debt payments.
Occupancy Rates & Rent Rolls
Current and historical occupancy levels and the strength of existing leases.
Property Condition & Location
The physical state of the property and its desirability within the local market.
Borrower Experience & Financial Strength
Your track record in managing similar properties and your overall financial standing.
Pro-forma Analysis
Projected income and expenses post-completion or renovation.
Navigating Your Financing Options
We understand that the range of commercial and business loans can seem complex. Our website is designed to provide clear, concise information to help you identify potential solutions. We encourage you to explore the specific loan program pages for detailed information.
If you’re unsure where to begin or would like personalized guidance, our experienced loan specialists are ready to listen to your needs and help you navigate your options, ensuring you make an informed decision.