Mixed Use Commercial Loans Built for Real Estate Investors
Qualify with rental income. No tax returns. No income ratio.
LTC
75%
RATE
7.99%
CLOSING
14 to 22 Days
TERMS
30 Year or Interest Only
$450K - $3M
LOAN AMOUNTS
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What Is A Mixed-Use Commercial Loan?
A Mixed-Use Commercial Loan is designed for investors financing properties that combine residential and commercial spaces within a single asset.
These properties generate diversified income streams, reducing risk while increasing overall yield potential.
Qualification is structured around property performance, tenant mix, and income stability — not personal employment documentation.
Mixed-use financing is ideal for:
- Retail + apartment combinations
- Office + residential properties
- Storefront with upper-level units
- Urban infill developments
- Investors transitioning into commercial real estate
Built for Diversified Income
Multi-Stream Revenue Analysis
We evaluate both residential and commercial income.
Asset-Based Underwriting
Approval driven by property performance and lease stability.
Flexible Structures
Solutions tailored to tenant mix and cash flow profile.
Are We a Good Fit?
Our Mixed-Use Commercial Loan program is structured to be straightforward and investor-friendly.
Minimum Credit Score
580Reserves
6mo. ReservesProperty Types
Mixed Use 2-8 Units | 50%+ ResidentialSeasoning
6-month seasoning required on refinancesPrepayment Penalty
OptionalDown Payment
25% minimum
Experience
1 Year Holding ExperienceOccupancy
Non-Owner-Occupied
Loan Amount
$450K minimum
Up to $3M maximum
Appraisal
RequiredHow It
Works
Submit Property & Scenario
Provide basic details on the subject property and projected rental income.
Receive Terms
We structure your loan based on DSCR performance and credit profile.
Close & Fund
Appraisal completed. Loan documents signed. Capital deployed.
Why Investors Choose
Asteris Lending
This is financing built for operators, not hobbyists.
- First-time investor friendly
- Qualify using rental income
- No personal income verification
- Competitive 5.5% starting rates*
- Up to 80% LTV
- Loan amounts up to $5M
- Interest-only options available
- Blanket loans available
- Reliable 10–21 day closing timeline
Product Type
Mixed Use Commercial
Experience Required:
1 Year Holding Experience
Minimum Credit Score:
700
Liquidity:
25% Down
Reserves:
6mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
14 to 22 Days
Draw Schedule:
N/A
Rate:
7.99%
Loan-to-Value LTV:
75%
Loan-to-Cost (LTC):
N/A
Loan Term:
30 Year or Interest Only
Asset Types:
Mixed Use 2-8 Units | 50%+ Residential
Loan Amount Min:
$450k
Loan Amount Max:
$3M
Product Specifics:
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Number of Units:
2 to 8 Units
States We
Lend In
Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.
Give us a call to see what we can do for you.
Frequently Asked Questions
Can I qualify as a first-time investor?
Yes. Prior rental experience is not required.
Do I need to provide tax returns?
No. Qualification is based on the property’s rental income.
Can I refinance an existing rental?
Yes. A 6-month seasoning requirement applies.
Are short-term rentals eligible?
Eligibility depends on documentation and property profile.
Is there a prepayment penalty?
Optional structures are available.
Grow Your Rental Portfolio
with Asteris Lending
Access up to 80% LTV with competitive rates and investor-driven underwriting.
Submit your DSCR scenario today and receive terms tailored to your property.