Mixed-Use Property Loans

At Aspen Capital Solutions, we know that mixed-use real estate requires more than a standard commercial loan. These projects blend multiple asset classes — each with its own underwriting metrics — into one integrated investment. Whether it’s a multifamily-over-retail urban infill, an office/retail hybrid, or a master-planned lifestyle community, our team delivers financing solutions designed to support both the complexity and opportunity of your project.

Our approach focuses on maximizing leverage, optimizing loan terms, and structuring capital to fit each component of the property’s income stream. We serve developers, institutional owners, and experienced investors nationwide who demand a lender that understands both the financial and operational layers of mixed-use assets.

Property Types We Finance

We provide capital for a wide range of mixed-use configurations, including:

• Multifamily Over Retail – Apartments or condos built over ground-floor retail spaces.
• Office/Retail Hybrids – Downtown or suburban developments with combined commercial and retail tenants.
• Live/Work/Play Communities – Integrated housing, entertainment, and retail destinations.
• Transit-Oriented Developments (TOD) – Mixed-use properties centered around commuter hubs.
• Hospitality-Integrated Mixed-Use – Hotels combined with retail, dining, or residential components.

Financing Programs

Our mixed-use financing solutions are designed to address both stabilized properties and projects in transition.

• Permanent Loans – Agency, CMBS, and life company executions for income-stabilized assets.
• Bridge Loans – Flexible short-term capital for lease-up, repositioning, or tenant improvements.
• Construction Loans – Ground-up or major redevelopment with multi-phase funding.
• Mezzanine Debt & Preferred Equity – Layered capital to complete your financing stack.

Our Approach

Mixed-use properties require specialized underwriting and a lender who understands:

• Separate Income Streams – Evaluating each use (multifamily, office, retail, hospitality) individually.
• Absorption and Lease-Up Timing – Managing different market cycles for each asset class.
• Design and Zoning Requirements – Understanding how municipal approvals impact financing.
• Capital Stack Optimization – Blending senior debt, mezzanine, and equity to meet funding goals.

By modeling each revenue source independently, we create a financing package that meets lender requirements while giving you maximum flexibility in execution.

Why Choose Aspen Capital Solutions for Mixed-Use Financing?

• Expertise across all major property types within the mixed-use spectrum.
• Access to lenders who specialize in complex, multi-asset-class properties.
• Ability to structure creative financing for projects in both primary and secondary markets.
• Direct communication with decision-makers for faster, more predictable closings.

At Aspen Capital Solutions, we don’t just finance mixed-use projects — we help unlock their full value potential. Our experience, relationships, and structured approach ensure your development is backed by capital that works as hard as you do.