Mixed-Use Property Financing

Buy or Refinance Your Mixed-Use Property

Finance stabilized mixed-use properties — residential, retail, and office under one roof — with conventional term loans from ~$1M to $15M, up to 75% LTV. Get a soft quote in 1–2 business days.

Apply for a Loan →Schedule a Call
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Since 2002 · $6.5B+ Funded · $1B AUM
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Financing the Places People Live, Work, and Shop

Mixed-use properties create enduring value by integrating living, working, and shopping in one walkable, main-street location. Underwriting them means reading the interplay between residential demand, retail performance, and office or service tenancy — and AVANA structures these loans around stabilized or near-stabilized assets where sponsors have a clear strategy for long-term ownership and improvements.

Whole Rent-Roll Underwriting

We underwrite residential, retail, and office income together — one rent roll, one view of the asset

Sized to Diversified Income

Multiple tenant types can mean steadier cash flow, and we size the loan to that stability

Straight, Fast Answers

A soft quote in 1–2 business days from a team that actually underwrites mixed-use

Conventional Financing, Built for Mixed-Use

Conventional Term Loans

Medium- to long-term financing solutions for stabilized mixed-use assets with diversified income streams. These loans can be used for acquisitions, refinances (including potential cash-out for approved purposes), or recapitalizations, and are structured around overall DSCR, tenant credit, and market dynamics.

Explore Conventional Program →

Key Terms & Structures

Rates and structures vary depending on loan type and borrower qualifications

Loan Sizes

Approximately $1MM to $15MM, depending on property size, location, and income profile.

Terms

Term lengths commonly up to 10 years, with amortizations that may extend beyond the term.

Leverage

Up to 75% LTV for qualifying transactions.

Pricing

Generally indexed to CMT or Treasury benchmarks, with risk-based spreads.

What You Can Finance

Mixed-use loan proceeds can support

Acquire stabilized mixed-use properties in urban, suburban, or town-center locations.

Fund interior renovations (units, common areas, lobbies) and exterior improvements (façade, signage, streetscape).

Refinance existing debt to improve terms or access equity for qualified capital projects.

Reconfigure or re-tenant ground-floor retail to better align with neighborhood demand.

Institutional Capital Behind Your Deal

Through the AVANA–Oaktree Private Credit Partnership, we deliver institutional-grade bridge financing to experienced multifamily sponsors — combining AVANA's sector expertise with Oaktree's private-credit platform to sharpen pricing and accelerate funding timelines
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A Streamlined Process

We make financing simple, transparent, and fast from application to funding

Submit Application

Submit your application with pre-qualification documents. We’ll review and issue a soft quote within 1-2 business days

Review

We review initial documents and confirm loan structure and key terms. If the deal meets criteria, we issue a Letter of Intent with proposed terms

Approval & Terms

We complete underwriting and order third-party reports as needed. Credit team issues final approval when complete (timing can vary)

Closing & Funding

We prepare final loan documents, open escrow, and coordinate closing. Funds are released once closing requirements are met

Apply for a Loan
Explore Process

Proven Success Stories

We’ve helped businesses across industries

$3.5M Commercial Industrial Refinance – Scottsdale, AZ
Featured
August 14, 2026

$3.5M Commercial Industrial Refinance – Scottsdale, AZ

Loan Purpose:

Refinance

Asset Class:

Industrial

Loan Amount:

$3,500,000

219-Room DoubleTree Suites by Hilton — Tukwila, WA & La Mirada, CA
Featured
June 11, 2026

219-Room DoubleTree Suites by Hilton — Tukwila, WA & La Mirada, CA

Loan Purpose:

Refinance

Asset Class:

Hotel

Loan Amount:

$20,400,000

Frequently Asked Questions

Find answers to common questions
What counts as a mixed-use property?
A single property combining residential, retail, and/or office uses — the walkable, town-center type assets AVANA finances when they're stabilized or near-stabilized.
How much can I borrow, and what are the terms?
Conventional mixed-use loans run approximately $1M to $15M, with terms up to 10 years (amortizations may extend beyond the term) and leverage up to 75% LTV for qualifying transactions.
Can I refinance to pull out equity?
Yes — refinancing to improve terms or access equity is an eligible use, alongside renovations and re-tenanting ground-floor retail.
Does the property need to be fully stabilized?
We finance stabilized or near-stabilized assets where in-place rents and occupancy support sustainable debt service.
How fast will I hear back?
A soft quote in 1–2 business days after we review your pre-qualification documents.

Ready to Get Started?

Ready to move your project forward? Complete a short online form to share your property details, capital needs, timing and get a soft quote in 1–2 business days from a lender that's funded $6.5B+ since 2002.
Apply for a Loan →Schedule a Call ↗

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Our Team

Sanat Patel, AVANA Companies

About Sanat Patel

As Chief Lending Officer at AVANA Companies and Chair of the Board at AVANA Bank, Sanat Patel brings more than three decades of experience in financial services, private credit and commercial banking, with a proven track record in loan structuring, risk management, and balance sheet growth. Sanat has led strategic initiatives that connect institutional capital with entrepreneurial ambition, supporting the growth of businesses, and  owners engaged in commercial real estate across the U.S. He has built and scaled lending platforms in partnership with banks and credit unions, developing tailored financial solutions that drive job creation and foster inclusive economic development.

Sanat Patel
Chief Lending Officer