Storefront with apartments above? Office or salon plus living space? Our Signature Expanded Mixed-Use loan removes the usual restrictions — qualify on the property's income, even in an LLC. Serving investors across New York and New Jersey with the CrossCountry Mortgage Metro Team.
We'll tailor your options around it — change anytime.
Mixed-use means residential plus a commercial space.
This helps us match the right program.
We have options beyond traditional income documentation.
A ballpark is fine — confirmed later.
We'll prioritize accordingly.
A local loan officer will reach out — no obligation.
One of our loan officers will be in touch shortly to walk through your options.
Want to talk now?
Mixed-use investment properties often come with financing limits. Our Signature Expanded Mixed-Use loan removes the usual restrictions and offers flexible ways to qualify.
Use the property's rental income — no DTI or income documentation required.
No requirement to occupy the property or own the business in the commercial space.
Finance properties with up to four units — one of which can be commercial.
Purchase in an LLC or trust, with interest-only options on eligible programs.
If your property pairs a place to live with a place to do business, there's a good chance the Metro Team can finance it.
Retail or a shop on the ground floor with apartments above.
A restaurant, café, or bar with residential units in the same building.
A beauty salon, barber shop, or spa paired with living space.
A doctor's, dentist's, or professional office with a residence.
A daycare, gym, or studio alongside residential units.
A combined live/work unit or loft with a commercial component.
No paperwork to begin — just answer a few quick questions.
Tell us about the property in about a minute. No income docs to start.
One of our New York or New Jersey loan officers reviews your options with you.
Purchase, refinance, or cash out — often without tax returns. We handle the heavy lifting.
The CrossCountry Mortgage Metro Team serves property owners and investors across New York and New Jersey.
Real, verified client reviews for every member of the Metro Team — read them in full on Experience.com.
“He made the whole process easy and very pleasant.”
“I’ve used Eric 3 times, he’s the best!”
“Incredibly nice, professional, and always willing to help.”
A property that combines residential and commercial space — like apartments above a storefront, or a home with an office, salon, barber shop, or daycare. Our program finances properties with up to four units, one of which can be commercial, as long as the property is primarily residential.
No. Unlike conventional mixed-use financing, you're not required to occupy the property or to own or operate the business in the commercial space. You can hold it purely as an investment.
Often, yes. Our Signature Expanded Investor Cash Flow option lets qualified investors qualify based on the property's rental income rather than personal income — with no DTI or income documentation required, and no prior landlord history needed.
Yes. Closing in an entity such as an LLC or trust is permitted, and interest-only terms are available on eligible programs. Purchase, rate-and-term refinance, and cash-out are all options.
Yes. The CrossCountry Mortgage Metro Team serves property owners and investors across New York and New Jersey, operating out of our Staten Island, NY and Middletown, NJ offices.
Take the 60-second eligibility check and a local loan officer will reach out with your options — no obligation.
Start the eligibility check →