Mixed-use properties are buildings that combine residential and commercial spaces into one property. They can include a variety of uses, such as retail, office, industrial, self-storage, hotels, and more.  

Examples include:

• A small storefront building with apartments above and retail below
• A single-family home with a doctor’s office on the ground floor
• A mom-and-pop retail shop in a storefront building with an apartment or two upstairs

Small Multi-Family properties are Duplexes, Triplexes, Quads, and 5-10 Unit Small Apartment Buildings.

There are some FHA Programs that finance Small Multi-Family properties.  Typical lending requirements for an FHA loan include a credit score of at least 580 and a debt-to-income (DTI) ratio below 45% for the best chance of qualification.

Non-QM products also include 2-10 Unit properties that can be financed using DSCR–Investor loans which evaluate the property based on its rental income instead of the income qualification of the borrower.

Fix-and-Flip is the strategy of purchasing a property, renovating it, then selling it at a profit. The financing for these projects has generally fallen to Private Money Lenders (Hard Money), but lately many Non-QM Lenders are also offering loan products.

The current housing market conditions makes this activity far more difficult than it used to be. 

You will be required to show enough experience and capital to see a project through to completion.

If you can find a fixer-up property to buy at <70% of its After-Repair-Value (ARV), I can broker a Fix & Flip loan that will provide 100% of funds you need to renovate it.

Ground-up Construction Loans may be obtained from the initial stages of development or mid-construction. Financing these projects has generally fallen to Private Money Lenders (Hard Money), but lately many Non QM Lenders are also offering loan products.

You will be required to show enough experience and capital to see a project through to completion.

Quick construction draws are critical to the timely completion of a project. Different Lenders fund in different ways, and many can release draws in 3 days or less. Project funding can be at initial stage or mid-construction, or both.

Bridge Loans also have been primarily provided by Private Money Lenders (Hard Money), but today there are Non-QM Bridge Lenders available.

Loan terms are usually 6-18 months;  LTV up to 75%;  Rate/Term Refi up to 70%;  Cash-out refi up to 60%. 

I have Lenders that can provide a Bridge Loan in conjunction with a conventional loan to structure a Buy Before You Sell program. See BAHBYS.