Mixed-Use & Multifamily Property Loans

Commercial Financing from $500,000 to $2.5 Million

Purchase • Refinance • Cash-Out

Net Equity Financial Mortgage LLC provides financing for mixed-use and multifamily properties for investors, business owners, and property owners seeking commercial loans generally ranging from $500,000 to $2.5 million.

These properties often require a lender that understands both the income-producing nature of the real estate and the unique mix of residential and commercial use.

We work with multiple commercial lending sources to help identify financing options based on the property, cash flow, borrower profile, occupancy, and purpose of the loan.

Mixed-Use Property Financing

Mixed-use properties combine residential and commercial uses within the same building or property.

Common examples include:

• Retail storefronts with apartments above
• Office space with residential units
• Restaurants with apartments or residential space
• Neighborhood commercial buildings with multiple uses
• Owner-occupied mixed-use properties
• Investor-owned mixed-use properties
• Small commercial buildings with rental apartments

These properties may not fit traditional residential lending guidelines because of the commercial component.

Commercial financing can offer greater flexibility based on the property's value, rental income, occupancy, and overall financial profile.

Multifamily Property Loans

We also arrange financing for multifamily investment properties.

Financing may be available for:

• 5+ unit apartment buildings
• Small apartment complexes
• Mixed apartment and commercial properties
• Investor-owned multifamily properties
• Acquisition financing
• Rate-and-term refinancing
• Cash-out refinancing

Loan structures vary depending on property size, occupancy, cash flow, borrower experience, credit profile, available equity, and lender requirements.

Purchase Financing

Buying a mixed-use or multifamily property requires careful evaluation of both the real estate and the income the property generates.

Commercial lenders may review:

• Purchase price
• Property value
• Current rental income
• Market rents
• Lease terms
• Occupancy
• Property condition
• Borrower experience
• Available down payment
• Debt Service Coverage Ratio (DSCR)

We help borrowers evaluate available financing structures and identify lending sources that fit the specific property and transaction.

Refinance Existing Commercial Debt

Mixed-use and multifamily property owners may refinance to:

• Replace an existing commercial mortgage
• Improve the current loan structure
• Extend the loan term
• Restructure maturing or balloon debt
• Adjust amortization
• Consolidate property-related debt
• Improve monthly cash flow

The best refinance option depends on the existing loan, property value, cash flow, equity position, and borrower qualifications.

Cash-Out Refinance

Qualified property owners may be able to access equity from a mixed-use or multifamily property through a commercial cash-out refinance.

Cash-out proceeds may be used for:

• Property renovations
• Capital improvements
• Additional real estate purchases
• Business expansion
• Working capital
• Debt consolidation
• Partner buyouts
• Other investment purposes

Available cash-out depends on the property value, current mortgage balance, debt-service coverage, loan-to-value requirements, and lender guidelines.

How Mixed-Use & Multifamily Loans Are Evaluated

Commercial underwriting typically focuses on both the borrower and the property.

Depending on the transaction, lenders may review:

• Property value
• Net operating income
• Rental income
• Debt Service Coverage Ratio (DSCR)
• Current occupancy
• Lease terms
• Property condition
• Borrower credit
• Liquidity and reserves
• Borrower experience
• Ownership structure
• Requested loan-to-value
• Purpose of the loan

Different commercial lenders may evaluate the same property very differently.

That is one of the advantages of working with a commercial mortgage broker.

Flexible Financing for Unique Properties

Mixed-use properties are often more complex than standard residential or traditional commercial properties.

Depending on the transaction, financing options may be available for borrowers who:

• Own properties free and clear
• Need cash-out financing
• Own multiple investment properties
• Are self-employed
• Hold property in an LLC or other business entity
• Have nontraditional income documentation
• Own properties with both commercial and residential tenants
• Have unique lease or occupancy arrangements

Available loan programs and terms vary based on the individual transaction.

Why Work With Net Equity Financial?

Commercial lending is rarely one-size-fits-all.

A mixed-use or multifamily property that does not fit one bank's guidelines may fit another lender extremely well.

Net Equity Financial works with multiple commercial lending sources and helps borrowers evaluate potential financing structures based on the property and borrower profile.

We can help review:

• Loan amount
• Interest rate
• Loan term
• Amortization
• Loan-to-value
• Debt-service requirements
• Prepayment provisions
• Cash-out availability
• Closing costs
• Recourse requirements
• Property qualifications

Our goal is to help identify a financing structure that makes sense for both the property and the borrower.

Small-Balance Commercial Loans

Our primary focus is commercial real estate financing generally ranging from:

$500,000 to $2.5 Million

This range includes many mixed-use and multifamily transactions that may be too specialized for residential lenders while still being considered relatively small by larger commercial institutions.

Transactions outside this range may also be considered depending on the property, borrower, and available loan program.

Financing Beyond Bucks County

Net Equity Financial is based in Bucks County, Pennsylvania, but our commercial lending capabilities are not limited to the local market.

Depending on the property location, loan program, and lending source, financing may be available for qualifying mixed-use and multifamily properties throughout Pennsylvania and in other states.

If your property is located outside Bucks County or outside Pennsylvania, contact us to discuss the property location and financing request.

What Do We Need to Get Started?

You do not need a complete commercial loan package to begin the conversation.

For an initial review, it is helpful to provide:

• Property address
• Property type
• Number of residential units
• Number and type of commercial spaces
• Purchase price or estimated property value
• Current mortgage balance, if applicable
• Requested loan amount
• Purpose of the loan
• Current rental income
• Approximate annual property expenses
• Occupancy information

With this basic information, we can begin evaluating whether the transaction may fit available commercial lending programs.

Discuss Your Mixed-Use or Multifamily Financing Needs

Learn more about our Mixed Use Financing Programs by selecting a link below or by calling an commercial mortgage professional at

1-800-757-1990

215-741-3131

or email us at LoanDept@NetEquityLoans.com.

Mixed-Use • Multifamily • Apartment Buildings • Retail/Residential • Office/Residential • Investment Properties

Net Equity Financial Mortgage LLC

 Mixed-Use • Multifamily • Retail • Strip Centers • Office • Warehouse • Self-Storage • Owner-Occupied Commercial