What makes mixed-use different
Income may come from residential and commercial tenants, which can change how rent, vacancy, lease terms, and collateral are reviewed.
- Residential vs commercial income mix
- Lease term and tenant quality
- Property use and zoning
- Collateral and appraisal requirements
Use DSCR as a starting point
Calculate NOI and debt service first, then request broker review to compare whether a DSCR or commercial path may fit.
Frequently asked questions
Can I use a DSCR loan for mixed-use property?
Some business-purpose DSCR programs may consider mixed-use property scenarios, subject to lender guidelines, property cash flow, credit profile, reserves, collateral, and full review.
How do I calculate DSCR for mixed-use property?
Use supportable monthly rental income, subtract realistic operating expenses, then divide net operating income by the proposed monthly debt service.
Does this guide guarantee loan approval?
No. Loan Daddy LLC is a mortgage broker, not a lender. This guide and calculator are educational only and do not provide loan approval, pre-approval, rate lock, or commitment to lend.