【FUNDED】Fast Closing: $800,000 DSCR Loan Closed for a Mixed-Use Investment Property

In today’s tighter lending environment, mixed-use investment properties can be challenging to finance through traditional bank programs. Many lenders are hesitant due to property complexity, income documentation requirements, and underwriting limitations.

In this case, we successfully structured and closed a DSCR loan for a mixed-use investment property, delivering a smooth and efficient closing for our client.

📌 Deal Overview

• Property Type: Mixed-Use

• Loan Program: DSCR (Debt Service Coverage Ratio)

• Loan Amount: $800,000

• Loan-to-Value: 50%

• Property Use: Investment

• Personal Income Required: No

🔍 The Challenge

• Mixed-use properties are often restricted under conventional loan guidelines

• Investment loans typically require strong personal income and tax returns

• The client needed a straightforward structure with reliable execution

🚀 Our Solution

By utilizing a DSCR-based loan program, we focused on the property’s cash flow rather than the borrower’s personal income.

Key advantages of this structure included:

• Underwriting based primarily on rental income

• No W-2s or tax returns required

• Clear guidelines for mixed-use investment properties

• Conservative 50% LTV for stronger approval and smoother closing

With proper upfront structuring and clear communication throughout the process, the loan successfully closed as planned.

📈 Why DSCR Works for Investors

✔️ Qualification based on property cash flow

✔️ Ideal for self-employed and real estate investors

✔️ Greater flexibility for mixed-use properties

✔️ Efficient underwriting and execution

📣 Final Thoughts

If you own or are acquiring a mixed-use investment property and have been told by banks that the deal is “too complex” or “not eligible,” it doesn’t mean financing isn’t available.

📞 If you’d like to explore whether a DSCR loan is a fit for your investment, feel free to reach out for a strategy discussion.

• 📧 Email: marketing@fengcapitals.com

• 🌐 Website: www.fengcapitals.com

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