Mixed-Use · First lien · Nationwide
Mixed-use hard money & bridge loans.
Ground-floor retail with residential or office above, in urban and main-street locations. Each component is underwritten on its own before the whole is sized.
Underwriting
What we look at first.
- 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 also buys real estate as a principal. Submit it for acquisition.
Hard money lending guidelines
- Annual rate
- From 11.5%
- Origination
- From 2% of the loan amount
- 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 nationwide?
- Yes. Stokley Capital provides first-position, business-purpose mixed-use loans nationwide, subject to state requirements.
- What size mixed-use loans do you make?
- Typically $1M–$5M. Larger loans are considered.
- 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.