Commercial
Mixed Use Loans in Indianapolis, IN
Looking for the best Mixed Use Loans in Indianapolis, IN? Our local team specializes in helping Indianapolis residents secure competitive financing. Whether you're buying in Mass Ave or Broad Ripple, we have the expertise to guide you.
Key Facts About Mixed Use Loans
CMRE Mixed Use Loans ranges from $250,000 to $50,000,000.
CMRE offers commercial bank statement programs for Mixed Use Loans.
CMRE Mixed Use Loans closes in LLC, corporation, or trust names.
CMRE commercial lending covers office, retail, industrial, and multifamily.
CMRE Mixed Use Loans ranges $250K to $50M.
CMRE commercial bank statement programs for Mixed Use Loans.
CMRE Mixed Use Loans closes in LLC/Corp/Trust.
CMRE commercial covers office, retail, industrial, multifamily.
Program Benefits
Diversify your income streams by combining residential and commercial rentals.
Finance properties that offer both living and working spaces, maximizing utility.
Competitive rates starting at 8.5% help improve your investment's profitability.
Flexible loan terms tailored to your specific financial needs and investment strategy.
Build equity faster with strategic real estate investments in thriving mixed-use properties.
Expert guidance from CMRE's experienced loan specialists throughout the entire process.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
55%
Loan Amount Range
$100K - $5M
Amortization Options
Eligible Properties
- Retail with Apartments
- Office with Condos
- Restaurant with Residential Units
- Mixed-Use Buildings
- Commercial Space with Apartments
Program Requirements
Income Documentation
- •Demonstrate stable income from current employment or business ventures.
- •Provide documentation of rental income from existing properties, if applicable.
- •Submit a detailed business plan outlining the income potential of the mixed-use property.
- •Income verification may include tax returns, pay stubs, and bank statements.
Asset Verification
- •Sufficient liquid assets to cover the down payment, closing costs, and initial operating expenses.
- •Verification of assets through bank statements and investment account statements.
- •Real estate holdings and other investments will be considered as part of your overall asset profile.
- •Clear and unencumbered title to any existing properties.
Insurance & Title
- •Comprehensive property insurance covering both residential and commercial aspects of the property.
- •Liability insurance to protect against potential claims from tenants or customers.
- •Flood insurance may be required depending on the location of the property.
- •Business interruption insurance to cover lost income in the event of unforeseen circumstances.
Property Requirements
- •Minimum FICO score of 640.
- •A strong credit history demonstrating responsible financial management.
- •Low debt-to-income ratio to ensure affordability.
- •No recent bankruptcies, foreclosures, or significant delinquencies.
Mixed Use Loans in Indianapolis: The Complete Guide
What Is Mixed Use Loans?
Mixed-use properties combine residential and commercial spaces within a single building or development. These properties can range from a small storefront with an apartment above to large-scale developments featuring retail, office, and residential units. Investing in mixed-use properties offers unique opportunities for income diversification and potential appreciation.
Qualifying for Mixed Use Loans
- •Underwritten on property income (DSCR) and borrower financial strength.
- •Typical DSCR requirement: 1.20x-1.25x (NOI / debt service).
- •2+ years business experience, adequate liquidity, acceptable credit.
- •CMRE commercial bank statement programs: qualify with 12-24 months statements instead of tax returns.
- •SBA programs (7(a), 504, Express) available for owner-occupied commercial with as low as 10% down.
Mixed Use Loans vs. Residential Lending
- •Commercial: underwritten on property cash flow. Residential: on borrower income.
- •Commercial terms: 5-10 year terms with 25-30 year amortization.
- •Commercial allows LLC/Corp entity vesting for asset protection.
- •CMRE offers both — our team determines the best structure for your situation.
Apply for Mixed Use Loans with CMRE
- •Step 1: Submit property details — type, location, price, NOI, business plan.
- •Step 2: CMRE provides preliminary terms within 48 hours.
- •Step 3: Application with financial statements, rent rolls, entity docs.
- •Step 4: Appraisal and environmental assessment.
- •Step 5: Underwriting in 2-4 weeks. Closing in 30-60 days.
Current Mortgage Rates
30-Year Fixed Rate
6%
as of 3/5/2026 · FRED
15-Year Fixed Rate
5.43%
as of 3/5/2026 · FRED
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Mixed Use Loans in Indianapolis, IN
Indianapolis mortgage lending. Affordable home financing for Central Indiana. Custom Mortgage & Real Estate specializes in providing high-fidelity Mixed Use Loans solutions tailored to the unique economic landscape of Indianapolis and the surrounding Marion County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireIndianapolis metropolitan area.
Service Areas & Neighborhoods
Our Indianapolis Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Common Questions About Mixed Use Loans in Indianapolis
What are current Mixed Use Loans rates in Indianapolis, IN?
Mixed Use Loans rates in Indianapolis depend on loan amount, credit profile, and property type. CMRE publishes updated Indianapolis rate ranges daily and provides locked quotes within 24 hours of application.
How long does Mixed Use Loans closing take in Indianapolis?
CMRE typically closes Mixed Use Loans loans in Indianapolis within 21-30 days from application. Pre-approval takes 24 hours, and our IN-licensed team coordinates title, escrow, and appraisal concurrently to save time.
What commercial property types qualify in Indianapolis?
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Indianapolis and throughout Marion County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Does CMRE offer SBA loans in Indianapolis?
Yes. CMRE is an SBA Preferred Lender in Indianapolis. We offer SBA 7(a), 504, and Express loans for Marion County business owners purchasing or refinancing commercial real estate.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
A mixed-use property combines residential and commercial spaces within a single building or development. This can include retail shops with apartments above, office spaces with residential units, or a combination of various commercial and residential uses.
Mixed-use properties offer diverse income streams, potentially lower vacancy rates, and the opportunity to capitalize on both residential and commercial markets. They can also attract a wider range of tenants and customers.
Loan terms for mixed-use properties vary depending on the lender and the specific property. CMRE offers flexible loan terms tailored to your individual needs, with options for fixed-rate and adjustable-rate mortgages.
CMRE requires a minimum FICO score of 640 for mixed-use loans.
CMRE Mixed Use Loans starts at $250,000. SBA may start lower. Max depends on property type — up to $50M.
Yes. Entity vesting is standard for commercial. Personal guarantee typically required.
Yes. CMRE commercial bank statement programs use 12-24 months statements instead of tax returns.
Typically 5-10 year terms with 25-30 year amortization. CMRE structures terms based on cash flow and exit strategy.
Mixed Use Loans by Location
Get local rates, loan limits, and market data for Mixed Use Loans in your area.
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Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
