Retail on the bottom. Residential on top. One loan. No tax returns required.

Mixed-use properties are among the most powerful assets in a real estate investor's portfolio — but most lenders don't know how to underwrite them. At Onyx Capital Lending, we do this every day.

Whether you're financing a storefront with apartments above, a live-work unit, or a multi-tenant commercial building with residential components, we have the loan program to get your deal funded — fast.

We underwrite based on the income the property generates — not your personal tax returns or W-2s. If the numbers work, we make it work.

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LOAN HIGHLIGHTS

✅ Loan amounts from $150K to $5M+

✅ No tax returns or W-2s required

✅ Qualify based on property cash flow (DSCR)

✅ 5+ unit and commercial mixed-use eligible

✅ LLC, LP, and corporation vesting okay

✅ Close in as little as 21 days

✅ Available in 48 states

✅ Experienced investors and first-time commercial buyers welcome

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WHO THIS IS FOR

Mixed-use loans at Onyx Capital Lending are built for:

• Investors acquiring retail + residential buildings

• Owners refinancing to pull equity from mixed-use assets

• Developers repositioning underperforming properties

• Investors 1031 exchanging into commercial mixed-use

If you have a deal under contract and need a lender who understands mixed-use underwriting — you're in the right place.

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READY TO GET YOUR MIXED-USE DEAL FUNDED?

Our team reviews mixed-use loan requests daily. Tell us about your deal, and we'll give you a same-day answer.