Mixed-Use Property
A building containing both residential and commercial space. DSCR programs may accept mixed-use if residential is the majority (typically 65%+ of square footage) at 70–75% LTV.
Why it matters on a DSCR loan
Mixed-use buildings — the classic storefront with apartments above — sit in a financing gray zone, and DSCR programs that accept them care intensely about the residential-to-commercial split. Verify the actual square footage breakdown before going under contract, because a building that feels residential can fail the majority-residential test once measured. Expect the commercial units' income to be scrutinized differently than the apartments', and budget for the lower LTV ceiling relative to a pure residential property.
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DSCR Calculator Get a QuoteReviewed by Arin Baghermian, Broker Owner — NMLS #1220456 · Last reviewed July 2, 2026 · DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548).