Mixed-Use Property Financing
Unlock the potential of your mixed-use property investments with tailored financing solutions designed to meet the unique challenges of this versatile asset class. Whether you’re acquiring, refinancing, or redeveloping mixed-use properties, we offer a range of loan programs to help you succeed.
Why Choose Us?
With extensive experience in mixed-use property financing, we understand the complexities of properties that blend residential, commercial, and retail spaces. Our expertise ensures a seamless process, competitive rates, and customized terms to meet your specific needs.
Key Features of Our Mixed-Use Property Financing
- Loan Amounts: $500,000 to $100 million+
- Loan Types: Acquisition, Refinancing, Construction, Value-Add Renovations, and Redevelopment
- Max Loan-to-Value (LTV): Up to 75%
- Amortization Terms: 20–30 years
- Interest Rates: Competitive rates available upon request
- Time to Close: Underwriting timelines range from 15 to 90 days – see below
Borrower Requirements
- Minimum FICO: Underwriting Specific – see below
- Recourse and Non-Recourse: Options available
- Property Financials: Strong property financials and stabilized tenant mix preferred
- Occupancy Types: Investor-owned or owner-occupied properties
Specialized Mixed-Use Financing Considerations
Our office property financing solutions are tailored to address the following factors:
- Property Composition: Finance properties with a combination of residential, retail, office, or other commercial spaces.
- Tenant Mix: Evaluate the stability and diversity of tenants, including residential and commercial occupancies.
- Market Trends: Assess the property’s location, demand for mixed-use developments, and nearby amenities.
- Zoning and Compliance: Navigate the complexities of zoning regulations and ensure compliance with local requirements.
- Value-Add Opportunities: Provide funding for renovations, upgrades, or redevelopment to maximize property value and cash flow.
Example Property Types We Finance
- Residential and Retail Mixed-Use Properties
- Office and Retail Mixed-Use Developments
- Multi-Family with Ground-Floor Commercial
- Urban Infill and Redevelopment Projects
Tailored Solutions for Office Property Owners and Investors
Whether you’re looking to acquire a new office property, refinance an existing one, or fund value-add improvements, we provide end-to-end support to ensure a seamless financing process.
Contact Us Today
Ready to explore financing options for your multifamily property? Contact our team to discuss your needs and discover customized solutions.
Kastali’s Term Lending (Non-SBA)
| Criteria | Details |
|---|---|
| Time Required to Close: | 45-60 Days on Average |
| Loan Size: | $500k to $3M |
| Loan Type: | Purchase, Rate & Term, & Limited Cash-Out |
| Loan Purpose: | Stabilized Properties |
| Max LTV: | Up to 70% LTV |
| Terms: | 5, 7, 10 year terms |
| Amortization: | 25 years |
| Rates: | On request – Please Call |
| DSCR Requirement: | 1.25x to 1.40x |
| Lien Position: | First Trust Deed Only |
| Borrower Entity: | Corporate Structure Required |
| Minimum FICO: | 680+ Minimum |
| Prepayment Penalty: | Yes – Step down |
| Recourse: | Full Recourse |
| Occupancy Requirement: | Investor / Owner-Occupied |
| Lender Origination Fees: | 0.5%-1.5% |
| Broker Fees: | 1%-2% |
| Due Diligence Retainer: | $2,500-$7,500+ |
| Processing Fee: | $895 – Refundable |
| Locations: | Continental US |
| Special Requirements: | Stable Tenant Mix & Rent Roll |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Kastali’s CMBS / Life Co. Lending
| Details | Specifications |
|---|---|
| Loan Processing Time | 60-90 Days on Average |
| Loan Amount | $3M to $100M+ |
| Loan Purpose | Purchase, Rate & Term, Cash-Out |
| Property Types | Stabilized Properties, Real Estate (RE) Only, Cross Collateralize – Portfolio, Large Balance – Institutional Properties, Long-Term Hold, Use Equity – Business Purpose |
| LTV (Loan to Value) | Up to 75% LTV |
| Loan Terms | 5, 7, 10yr terms |
| Max Term | 25-30yrs |
| Interest Rate | On request – Please Call |
| Debt Service Coverage Ratio | 1.25x to 1.40x DSCR |
| Collateral | First Trust Deed Only |
| Entity Type | Single Asset Entity |
| Credit Score | 700+ preferred / 680 min |
| Prepayment Penalty | Yield Maintenance/Step down |
| Recourse | Non-Recourse Available |
| Owner Occupancy | Investor / Owner-Occupied |
| Fees | 0.5%-1.5% |
| Origination Fee | 1%-2% |
| Loan Fees | $10,000-$15,000+ |
| Refundable Fee | $895 – Refundable |
| Geographical Availability | Continental US |
| Property Financials | Strong Property Financials |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Kastali’s Bridge Lending
| Details | Specifications |
|---|---|
| Loan Processing Time | 4-6 Weeks on Average |
| Loan Amount | $500K to $50M+ |
| Loan Purpose | Purchase, Rate & Term, Cash-Out |
| Property Types | Bridge to Perm / Sell, Value-Add / Light Rehab Fix n Flip/Hold, Value-Add / Lease-Up & Stabilize, Construction to Perm, Quick Close, Bad Credit, Light Document, Reduced Underwriting, Short-Term, Distressed Property, Use Equity – Business Purpose |
| LTV (Loan to Value) | Up to 75% LTV |
| Loan Terms | 1-3yr terms |
| Max Term | 25-30yrs – Typically I/O |
| Interest Rate | On request – Please Call |
| Debt Service Coverage Ratio | 1.0x DSCR minimum |
| Collateral | First Trust Deed Only |
| Entity Type | Single Asset Entity |
| Credit Score | 680+ preferred / 650 min |
| Prepayment Penalty | Typically 3-1% step down |
| Recourse | Typically Recourse |
| Owner Occupancy | Investor / Owner-Occupied |
| Fees | 1%-3% |
| Origination Fee | 1%-2% |
| Loan Fees | $5,000-$7,500+ |
| Refundable Fee | $895 – Refundable |
| Geographical Availability | Continental US |
| Exit Strategy | Exit Strategy Required |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Kastali’s Hard Money Lending
| Details | Specifications |
|---|---|
| Loan Processing Time | 1-2 Weeks on Average |
| Loan Amount | $500K to $20M+ |
| Loan Purpose | Purchase, Rate & Term, Cash-Out |
| Property Types | Quick Close, Bad Credit, Light Document, Value-Add / Light Rehab Fix n Flip/Hold, Value-Add / Repurpose, Construction – Heavy / Add Sq. Ft, Construction – Land Development, Non-Performing Asset Acquisition, Distressed Borrowers, Distressed Property, Use Equity – Business Purpose |
| LTV (Loan to Value) | Up to 65% LTV |
| Loan Terms | 12-18mo Terms |
| Payment Type | Interest Only – I/O |
| Interest Rate | On request – Please Call |
| Prepayment Penalty | Not typically required |
| Collateral | First Trust Deed Only |
| Entity Type | Single Asset Entity |
| Credit Score | 600+ preferred / 550 min |
| Prepayment Fee | Typically None |
| Recourse | Typically Recourse |
| Owner Occupancy | Investor / Owner-Occupied |
| Fees | 2%-5% |
| Origination Fee | 1%-2% |
| Loan Fees | $7,500-$12,000+ |
| Refundable Fee | $895 – Refundable |
| Geographical Availability | Continental US |
| Exit Strategy | Exit Strategy Required |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.