Commercial
Mixed Use Loans in Tucson, AZ
What is a Mixed Use Loans? Mixed Use Loans is a specialized mortgage solution offered by CMRE for real estate financing. This program provides tailored terms, flexible underwriting, and expedited closing timelines to meet the unique needs of property buyers and investors in Tucson, AZ.
Custom Mortgage arranges Mixed Use Loans financing in Tucson, AZ and across Pima County, including Downtown and Sam Hughes. Pima County's 2026 FHFA conforming loan limit is $832,750 for a one-unit home and $1,601,750 for four units. Census ACS 2024 data puts the median owner-occupied home value in Pima County at $319,700, $513,050 below that one-unit limit.
Median household income there is $70,315 and 65% of homes are owner-occupied (Census ACS 2024).
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 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 Tucson: 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.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in Pima County
$1,951/mo
Based on $360,000 median · 20% down · P&I only
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Est. Monthly Payment in Pima County
$2,520/mo
Based on $360,000 median · 20% down · P&I only
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Pima County at a glance
- Conforming loan limit (1 unit)
- $832,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,601,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $319,700
- Source: Census ACS 5-year, 2024
- Median household income
- $70,315
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 65%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 4.5
- Source: Census ACS 5-year (computed), 2024
Market Snapshot: Pima County
Source: Redfin · 2025-12-31Median Sale Price
$360,000
Median List Price
$375,000
Price / Sq Ft
$216.437
Days on Market
74
Active Listings
4,663
Homes Sold
1,085
Sale-to-List Ratio
97.7%
2026 Conforming Loan Limits: PIMA
1-Unit (SFR)
$832,750
2-Unit (Duplex)
$1,066,250
3-Unit (Triplex)
$1,288,800
4-Unit (Fourplex)
$1,601,750
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
Mixed Use Loans in Tucson, AZ
Pima County's Tucson market is exhibiting a measured correction, with the median sale price at $360,000 — down 2.7% year-over-year — against a backdrop of 4,663 active listings and a 74-day average days on market. The 97.7% sale-to-list ratio signals a market in balance: sellers are pricing more precisely, and buyers are transacting near asking price without the bidding pressure that characterized 2022 and early 2023.
For purchase financing, Pima County is a textbook first-time homebuyer market. The $806,500 conforming limit is far above the median transaction, meaning 3% down conventional and 3.5% down FHA are both fully viable entry points. The University of Arizona's presence creates consistent demand across rental-adjacent neighborhoods, making DSCR investor loans an active product category. We are also seeing strong refinance interest from borrowers who purchased with ARM products in 2021-2022 and are now restructuring into fixed-rate instruments.
Tucson's borrower base reflects the city's role as a government, education, and healthcare hub. University of Arizona faculty and staff, Raytheon and defense contractor employees, and Banner Health system workers form the core W-2 buyer segment. Retirees from the Midwest and East Coast represent a growing second segment attracted by the desert climate and cost of living. The self-employed and gig economy worker concentration is below average relative to Phoenix metro.
Run conventional 3% down alongside FHA — at current Pima prices, conventional avoids upfront MIP and often wins on total cost.
Service Areas & Neighborhoods
Our Tucson Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Application 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
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
Get Your Numbers
Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About Mixed Use Loans in Tucson
The latest available national 30-year fixed observation was 7.18% (Freddie Mac PMMS, week of 11/5/2026). Mixed Use Loans rates in Tucson vary by loan amount, LTV, and credit profile — CMRE can issue a pre-approval within 24 hours of a complete application.
Timelines depend on the program, appraisal, and title: conventional purchases typically close in 14–21 days, and hard money loans can fund in as few as 7 business days. The Pima County market has seen home prices fall 2.7% year-over-year — buyers currently have more leverage, but rate locks still protect you from market moves.
CMRE finances office, retail, industrial, multifamily, mixed-use, and special-purpose properties in Tucson and throughout Pima County. Loan amounts range from $500K to $50M with 5-10 year fixed-rate terms.
Yes. CMRE arranges SBA 7(a), 504, and Express financing for Pima County business owners purchasing or refinancing commercial real estate.
See all Mixed Use Loans questions and program details
Mixed Use Loans by Location
Get local rates, loan limits, and market data for Mixed Use Loans in your area.
AZ
CA
CO
FL
GA
ID
IL
MI
NJ
NY
OH
OR
TX
VA
WA
View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
TESTIMONIALS
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."
