Mixed Use Cash-Out Bridge Loan

Deal Summary

The Situation

An investor owned a mixed-use property with 4 residential units and 4 retail units that had appreciated substantially since purchase. The investor wanted to pull equity from the property to fund a separate acquisition without selling the asset.

The Challenge

Mixed-use properties with small unit counts fall into a tricky financing gap, too small for most commercial programs, too complex for residential lenders. Finding a lender willing to do a cash-out refinance on this asset type required a non-traditional capital source.

The Structure

CapitalAx sourced a family office lender that specialized in smaller mixed-use assets. The $1,500,000 cash-out bridge loan was structured as a 12-month interest-only facility, giving the borrower time to deploy the capital and arrange permanent takeout financing.

The Solution

CapitalAx presented the deal with individual unit lease summaries, blended NOI analysis across residential and retail components, and a clear refinance exit timeline. The family office funded based on relationship and asset quality.

The Outcome

The borrower accessed equity without selling the property, deployed capital into a new acquisition, and retained ownership of a cash-flowing mixed-use asset with multiple income streams.