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What is a mixed use property Loan?

Financing structured for properties that combine residential and commercial space within a single investment.

Mixed use properties in a nutshell are commercial properties that offer both commercial and residential options. Typically the residential side takes up the majority of the space. An example of a mixed use property here in Florida includes storefronts located on the ground level followed by single-family apartments above.

Qualified Property Types for mixed use property Loans

Review the property types eligible for financing under this loan program.

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Commercial Properties

Apartment Complexes

Retail Properties

Warehouses and Industrial Plants

Single-Family and Multi-Family Homes*

Construction projects

Townhouses and Condos*

*This provision does not apply to homesteaded primary residences.

For a full list of mixed use property Loan property types or for additional information, please contact us online or call 1 (954) 947-1232.

Loan benefits with Community capital

Built to support broker success 

Looking for private funding for your next investment property? Community Capital offers commercial real estate loans throughout Florida to help future investors get the funding they need to purchase or renovate an investment property. Our team of professional hard money lenders will work to provide the best hard money loan options for your investment project.

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Fast & Reliable Funding
variety of loan options
Quick Decisions &
Competitive Rates
Local and Experienced staff
Loan terms

A quick overview of the key terms designed to help you move forward with confidence.

Up to 24 months
Interest only
Rates change daily
60% maximum LTV
1st mortgage position
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How Our Loan Application Process Works

In real estate timing is everything and we’re here to help you act quickly.

1

Submit Your Request – Tell us about your project and financing needs.

2

We Will Reach Out – Our team connects with you to understand your goals and answer questions.

3

Complete the Application – A simple form gives us the details we need to move forward.

4

Get Funded Fast – Once approved, we move quickly to deliver your capital.

1

Submit Your Request – Tell us about your project and financing needs.

2

We Will Reach Out – Our team connects with you to understand your goals and answer questions.

3

Complete the Application – A simple form gives us the details we need to move forward.

4

Get Funded Fast – Once approved, we move quickly to deliver your capital.

get funded
A mixed-use property loan finances properties that combine more than one use — typically a combination of residential and commercial space, such as retail on the ground floor with apartments above. These deals often don’t fit standard bank lending criteria, making private lending the practical solution.
Traditional banks frequently struggle to categorize mixed-use properties under standard lending guidelines, leading to slow approvals or outright declines. Community Capital evaluates the deal on its actual merits — asset value, income potential, and project fundamentals.
Yes. We finance mixed-use properties across Florida, with primary focus on South Florida markets and secondary coverage throughout the state.
We fund a range of mixed-use configurations throughout Florida, including office/retail combinations, retail/residential buildings, and other properties that blend commercial and residential income streams.
Credit decisions within 24 hours. Closings measured in days. Our in-house underwriting handles mixed-use transactions directly without requiring outside approvals.
As a general guideline, we typically work with loan amounts starting at $400,000, with a maximum loan-to-value (LTV) of 60% and a maximum loan-to-cost (LTC) of 60%. Loan terms typically run 12–24 months. These are marketing benchmarks, not strict cutoffs — we evaluate every deal on its own merits and may exceed these parameters for strong opportunities. Contact our team to discuss your specific project.
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