What types of business funding does Surge Financial offer?

Surge Financial offers SBA loans, business lines of credit, equipment financing, working capital loans, revenue-based financing, and invoice factoring. We help businesses secure $10K to $5M in funding.

What real estate financing options are available?

Surge Financial provides DSCR loans, hard money loans, bridge loans, fix-and-flip financing, ground-up construction loans, and portfolio loans for real estate investors in all 50 states.

How fast can I get approved for funding?

Most approvals take 24-48 hours. We offer no hard credit pull pre-qualification and no upfront fees. Contact us at 954-787-4348 to get started.

Do I need perfect credit to qualify?

No. We work with borrowers across the credit spectrum. Many of our financing options including hard money and DSCR loans are asset-based, meaning the property or business revenue matters more than your personal credit score.

A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies based on the property's rental income rather than your personal tax returns. It is ideal for real estate investors who want to finance rental properties.

What is Surge Financial?

A streamlined financial platform providing fast, transparent funding solutions and financing options designed to help businesses scale with ease and efficiency.

How do lenders underwrite a mixed-use property?

Most lenders evaluate mixed-use by looking at the combined net operating income (NOI) from both the residential units and the commercial tenant, then applying a cap rate or DSCR ratio to determine the loan amount. The commercial vacancy risk is usually underwritten more conservatively.

Does the commercial tenant lease need to be in place to get financing?

For permanent financing, most lenders prefer to see the commercial space leased. For bridge financing, unlease commercial space is acceptable as long as the residential income is sufficient to support the loan or the overall deal makes sense.

Are there restrictions on the commercial/residential income split?

Many DSCR programs have thresholds — for example, requiring residential income to represent at least 50–75% of total income for the property to qualify under residential mixed-use guidelines. Properties with higher commercial income concentration may need to go through commercial underwriting.

Real Estate FinancingMixed-Use Property Loans: Financing for Residential and Commercial Combined

Mixed-Use Property Loans: Financing for Residential and Commercial Combined

Residential + commercial buildings with bridge and DSCR financing. Complex income structures accepted. Nationwide.

Get Started. No Fees.

Residential + Commercial

Combined

Bridge & DSCR

Available

Complex Income

Accepted

50 States

Coverage

Overview

Financing Mixed-Use Property Loans: Financing for Residential and Commercial Combined

Mixed-use properties, which combine residential apartments with ground-floor retail or commercial space, offer strong income diversification but present underwriting complexity that many lenders avoid. Surge Financial advises on mixed-use financing from programs that are built for assets that do not fit conventional lending categories.

Loan Programs

Available Financing Options

Loan programs available for Mixed-Use Property Loans: Financing for Residential and Commercial Combined properties.

Bridge Loans

Short-term bridge financing while the property is being leased up, repositioned, or while permanent financing is being arranged.

DSCR (Mixed-Use Programs)

Some DSCR programs extend to mixed-use properties where residential units generate the primary income. Commercial portion should be stabilized.

Hard Money

Asset-based financing for mixed-use properties that need work or don't qualify for conventional programs.

Why Surge

Why Investors Choose Surge Financial

No upfront fees. Asset-based lending options. A specialist who moves at the speed real estate requires.

5 days

Fastest close time

80%

Max LTV available

Upfront fees

All 50

States covered

Eligibility

Typical Loan Parameters

General guidelines for Mixed-Use Property Loans: Financing for Residential and Commercial Combined financing. Every deal is evaluated on its own merits. Contact us to discuss your specific situation.

Check Eligibility. No Fees.

Bridge

Loan Amount

$250K–$20M+

LTV

Up to 75%

Terms

12–36 mo

Best For

Acquisitions, value-add

DSCR (MU)

Loan Amount

$250K–$5M+

LTV

Up to 75%

Terms

30 years

Best For

Stabilized income

Hard Money

Loan Amount

$250K–$10M+

LTV

Up to 70%

Terms

12–24 mo

Best For

Distressed, complex

Best For

Who This Is For

These programs are designed for specific investor profiles. Find the scenario that matches your situation below.

Investors acquiring mixed-use buildings with residential apartments and ground-floor retail or commercial tenants

These properties require lenders who understand how to underwrite both income streams, and bridge programs that are not restricted to single-use asset classifications.

Developers repositioning a mixed-use asset where residential and commercial components are at different stabilization stages

Bridge financing holds the position during the repositioning period without requiring both components to be stabilized simultaneously.

Investors who prefer mixed-use assets for income diversification across multiple tenant types

A building with both residential and commercial tenants creates a blended income stream that reduces single-tenant dependency and can support stronger DSCR ratios on permanent financing.

Operators transitioning from bridge financing to long-term permanent financing on a stabilized mixed-use asset

Once both the residential and commercial components are stabilized, DSCR programs that accept mixed-use income structures are available for permanent financing.

Investors who own mixed-use properties that do not fit cleanly into residential or commercial lending categories

These properties require advisors who know which programs accept mixed-use income and can structure the deal accordingly.

FAQ

Common Questions

Finance Your Mixed-Use Property Loans: Financing for Residential and Commercial Combined Property

No upfront fees. No hard credit pull. Tell us your deal and we will tell you what is possible.

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