Mixed-use Investment Properties

A diversified portfolio is within your reach. Loan programs tailored to meet your needs!

A diversified portfolio is within your reach

Sprout's Mixed-Use Program helps you extend your Investment reach! Call us to get started (800) 462-6470

**As of 12/3/2021, this product is based on a rate and term refinance loan with 70% loan to value ratio, a 740 credit score, paying 1.25% discount points, on an owner-occupied principal residence, an interest rate of 3.77% and APR of 3.87% for a 40-year loan with an interest only period for the first ten years and fully amortized payments for the remaining 30 years of the 40-year term. Your loan terms and interest rate may be different depending on your credit score, your loan to value ratio, how many discount points you pay, when you lock in your interest rate, the property’s occupancy type, and other factors.

We understand that today’s savvy investors need tailored lending solutions that match their unique real estate objectives. That’s why Sprout’s flexible qualifying guidelines make it easy to purchase and refinance a mixed-use property. Call today for a great deal!

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Mixed Use Property Loans were created specifically for the purchase or refinance of properties that combine residential and commercial uses, such as apartments and retail or office space.


Sprout Mortgage is a leading national lender providing investors with mixed-use loans. Qualifying is easy. For a mixed-use property purchase, we’ll look at the total projected rent for the subject property. For a refinance, we’ll look at the actual current rent amount for the entire property. No bank statements required!


Qualifying Properties Include:

Up to 8 units with a maximum of 2 commercial units
Up to 4 units with at least 1 commercial unit


Loan Features:

 660credit score required
 Loan amounts up to $2.5 million
15-year,30-year, and interest-only loan options available
Qualify at 100% Debt Service Coverage

Let's Get Started

Call us (800) 462-6470

or fill out the form below

Sprout Mortgage is a nationwide direct lender and we’ve been helping homeowners reach their goals for nearly a decade.

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Also Available

Whether you’re a small business owner, yoga instructor, seasonal employee, freelancer/contract employee, or investor, Sprout can help you get a mortgage!

Asset Depletion Loans

Investor Debt Service Coverage

Ideal for individuals with substantial liquid capital (more assets than income), the Asset Depletion program permits borrowers to qualify based on their assets up to 50% DTI.
Designed for those whose income is derived from property rentals. Use the cash flow from your rental property to qualify.

Here’s How We Can Assist You in Buying a Home

Other loan features include:

Mixed-Use Investment Properties (commercial + residential units)
Loan amounts up to $8.5 million
Highest LTV Options - based on your property's Debt Service Coverage

Talk to a Loan Advisor and experience the Sprout difference

Learn MoreLet's Get Started

This communication does not constitute a commitment to lend or the guarantee of a specified interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval. Programs, rates, terms and conditions are subject to change without notice. Other restrictions apply.