Scotsman Guide > Residential > Directories > Niche Lenders

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Mixed-Use Loans


Advancial Federal Credit Union
Up to 80% LTV for O/O. Max loan amount is $3M and max cash-out is $1.5M. Minimum 680 score.
Lending Territory: NATIONWIDE

Agoura Hills Financial
AHF will consider loans with this criteria. We are an equity-driven private lender. No minimum FICO. Up to 60% LTV. Southern California only. Contact us today for a quick close!
Lending Territory: Southern CA

Amerifund Home Mortgage
We'll lend on these types of properties up to 80% LTV, no prepay, $500K - $20M, five-year (5) fixed int. only, 30-year amortization, no balloon. Rates start at 5.75%. Niche lending at its core – common-sense – primary, second, investors, foreign nationals, condo, co-op, 1 - 4, multifamily, mixed...all are OK.
Lending Territory: NATIONWIDE except AL, KS, KY, LA, MN, MO, MS, MT, WY

AVANA Capital
Avana Capital offers CRE loans for mixed-use properties via SBA 504, SBA 7(a) and USDA B&I lending programs. We are a nationwide lender and can finance for acquisition and refinance which can also include tenancy improvements. We can also provide interim and bridge loans.
Lending Territory: NATIONWIDE

California TD Funding Inc
No minimum FICO. We are an equity-driven direct private lender. Property types preferred are non-owner-occupied SFR, multifamily and commercial. 65% LTV or less in Southern CA is ideal. All loans are fixed rates and usually contain no prepay penalties.
Lending Territory: Southern CA

Capital Benefit
Up to 60% LTV.
Lending Territory: CA

Capital Three Sixty LLC
Purchase and rehab loans for mixed-use properties. 
Lending Territory: NATIONWIDE except MN, ND, NV, OR, SD, VT

Citadel Servicing Corp.
Mixed-use properties on a case-by-case basis.
Lending Territory: AZ, CA, CO, FL, GA, ID, NC, OR, TX, UT, VA, WA

Direct Lending Partners
580 minimum FICO. Commercial aspect needs to be less than 25% of the sq. footage.  75% max. LTC (purchase price + renovation budget). 70-75% max. LTV/ARV.  Minimum loan amount is $500K. 
Lending Territory: AL, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, MD, MO, NC, NE, NJ, NY, OH, OK, PA, SC, VA, WA, WI, WV, WY, UT

No-doc loans from $15K-$1M, 17-yr. term. Aggressive rates, high LTVs, no prepays or balloons. Loans to self-directed IRAs and transaction funding. 24-hr. funding. No appraisals needed. Fire insurance only.   
Lending Territory: NATIONWIDE ex. AK, AZ, CA, ND, NV, NY, OR, SD, UT, VT

First National Bank of America
No minimum FICO required. Loan amounts up to $400K. LTVs up to 70%. Loans are fixed-rate.
Lending Territory: NATIONWIDE

FMC Lending 
Mixed use properties allowed. Direct private money lender - asset based. Fast 7-day close. No credit needed. Bad credit OK. 400+ FICO allowed. Bankruptcy allowed. Foreclosure bailout allowed. Debtor in possession allowed. No doc stated loan programs. No tax returns. No bank statements.  Alternative lender $50,000 - $12,000,000 loan limits. All property conditions allowed. Same day approvals. 70-75% LTV.  
Lending Territory: CA, CO, DC, FL, NC, TX, WA

Freedom Capital LLC
Bank-based lending for mixed-use properties. 1st lien loan amount of $80K to $2.5M. 55% to 70% LTV. Very quick turnaround, Experian FICO of 660, full-doc only.
Lending Territory: NATIONWIDE

Home Bank of California 
We are a portfolio lender and prefer Southern California investment properties. Fast response and approval. Outstanding broker cooperation. 
Lending Territory: CA

Layla Capital LLC
Retail, Residential Projects, Primary and Secondary Market Locations.

Pacific Premier Bank
SBA, USDA and conventional loan programs available for mixed-use properties. We can go up to 85% LTV on each project. Financing available for purchase, refinance and start-up project.
Lending Territory: AZ, CA, ID, OR, NV, TX, UT, WA

Pacific Private Money Loans
Broker friendly with quick turn time and loan scenario responses. Same day LOI! Fast funding's. Direct lender. Call or e-mail for more information on programs. Up to 72% LTV on mixed-use transactions.
Lending Territory: CA

Patch of Land
600 minimum FICO. Up to 85% LTV, up to 75% ARV. 12-month term, extensions available. Fixed rate, I/O. No prepayment penalties. Non-owner-occupied investment properties. Fix-and-flip, 1-4 unit residential. Mixed use. Commercial.
Lending Territory: NATIONWIDE except AZ, MN, NV, SD, UT

RCN Capital
RCN offers financing for non-owner-occupied mixed-use properties. Loans range from $50K to $2.5M+ for 12 to 18-month terms. Up to 70% LTV with a minimum FICO of 600. Commitment letters issued in as little as 48-hours with closings in as few as 10 business days. Brokers protected.
Lending Territory: NATIONWIDE except MN, NV, OR, SD, UT, VT

Redwood Mortgage
Redwood Mortgage offers 1-15 year terms on mixed-use property loans, senior and junior debt. The company offers purchase and refinance loans with rates starting at 6.75%. Loan sizes from $100K up to $7.5M with no prepayment penalty. LTVs up to 65%. Please call for program details and quick service.
Lending Territory: CA

Seattle Funding Group Ltd.
Loan amounts up to $12M. Up to 2 year loan term, LTV up to 65%. Ability to close quickly. We lend to individuals, corporations, LLCs, partnerships, trusts, estates and international investors. No prepayment penalties.
Lending Territory: AK, AZ, CA, CO, HI, ID, NV, OR, TX, WA

Silver Arch Capital Partners LLC
Silver Arch Capital Partners is a nationwide direct lender offering short-term bridge loans from $5M to $100M. Loans are available for acquisition, restructuring, discounted payoffs, purchase of notes, property improvements and construction. Up to 75% LTV, fast closings.    
Lending Territory: NATIONWIDE

Western Development LLC
Hard money. Non-owner occupied only. Funding 3 business days from receipt of completed package. 5-year term with no prepayment penalties.
Lending Territory: DC, MD, VA

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