Mixed-Use · First lien · In most US states
Mixed-use hard money & bridge loans.
Ground-floor retail with residential or office above, in urban and main-street locations. The loan is sized to the building's as-is value.
Yes. Stokley Capital makes first-position, business-purpose mixed-use hard money and bridge loans in most US states, typically $500,000 to $5 million, with larger loans up to $10 to $15 million considered case by case and no loans under $500,000. Every request is reviewed and decided directly by the principals.
Underwriting
Sized to as-is value.
Loans are sized to as-is real estate value, in first position, as bridge and hard money. Net operating income and projections do not set the loan amount.
- Income split and stability by component
- Residential rents and commercial tenancy
- Zoning, condo structure and separate metering
- Local foot traffic and neighborhood trajectory
- Capital needs across the building
Situations
Where we're most useful.
- Refinancing buildings that do not fit a single lender category
- Acquisitions needing speed ahead of a competing buyer
- Commercial lease-up beneath stabilized residential
- Renovation of older main-street buildings
Selling a mixed-use property? Stokley Capital is also a real estate investment firm. We acquire, own and operate real estate across the United States. Submit it for acquisition.
Hard money lending guidelines
Asset-based financing. We focus on the property's value and the owner's equity, not a credit score. Low credit does not rule out a request. Every deal is subject to underwriting.
- Term
- 6 to 12 months
- Payments
- Interest only
- Loan-to-value
- Up to 70%
- Lien position
- First position only
Third-party closing costs are separate.
Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.
By state
Mixed-use loans by state.
State pages combine local economic context with how we approach mixed-use loans there.
Southwest
Northeast
Request loan terms
Mixed-use loan request.
Questions
Mixed-use loans, answered.
- Do you provide mixed-use hard money loans in most US states?
- Yes. Stokley Capital provides first-position, business-purpose mixed-use loans in most US states, subject to state requirements.
- What size mixed-use loans do you make?
- Typical loan size: $500,000 to $5 million. Larger loans up to $10 to $15 million are considered case by case. No loans under $500,000.
- What do you look at first on a mixed-use loan?
- Income split and stability by component; Residential rents and commercial tenancy; Zoning, condo structure and separate metering.
- Do you take second position?
- No. Every loan is a first lien on the property.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Next step
Have a mixed-use loan request?
Send the property, amount and deadline. A principal will respond directly.