IdeaRadar
Mixed-Use Qualification Calculator and Lender Packet for Small Owner-Occupant Buyers
Tell buyers which lenders will fund a mixed-use deal before they apply
Score 7.0/10 · Worth testing
Money
20 November 2025
Proof at a glance
7.0 out of 10. Score 7.0/10 · Worth testing
The problem
Owner-occupants buying small mixed-use buildings (2 residential units + 1 commercial) face conflicting lender rules about what counts as residential. They waste days or weeks guessing which loan type fits, lose deals, or pay for wrong apps. Missing the correct residential/commercial split can delay closings and cost thousands in lost deposits and higher rates.
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