Community/Bridge loan on a mixed-use property — who's doing these?
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Felicia Hornebroker
Mar 20, 2026 at 8:00 AM
Bridge loan on a mixed-use property — who's doing these?
I have a borrower who wants to acquire a mixed-use property (2 retail units on ground floor, 4 apartments above). $1.1M purchase, 65% LTV request. The retail is 50% occupied. Which bridge lenders are comfortable with mixed-use and what should I expect on terms?
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Rachel KimlenderMar 20, 2026 at 10:00 AM
Felicia, mixed-use bridge is doable but the retail vacancy is going to be the issue. At Kim Bridge Fund we'll do mixed-use at 65% LTV if the residential portion is stabilized. The retail vacancy creates uncertainty on income, so we'd want to see:
- Strong residential occupancy (3 of 4 units occupied)
- Realistic lease-up plan for retail
- Borrower experience with mixed-use
- Reserves for the vacant retail period
DM me the deal details.
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Felicia HornebrokerMar 20, 2026 at 11:00 AM
Rachel — DMing you now! The residential is 100% occupied which I think helps a lot.
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James ThorntonbrokerMar 20, 2026 at 12:00 PM
100% residential occupancy is a strong positive. Lead with that.