Resi/commercial Typical 2-3 units over a 1-unit ground-floor commercial space LTV’s up to 75% A mixed-use property is a type of real estate development that combines two or more different uses within a single building or development. The most common combination is residential and commercial — for example, apartments or condos above ground-floor retail or office space. 🔑 Key Characteristics of a Mixed-Use Property: Feature Description Use Types Typically includes residential, commercial, retail, office, and sometimes hospitality or industrial components. Zoning Must be zoned for mixed-use by the local municipality. Layout Different uses are separated vertically (e.g., retail on the bottom, housing on top) or horizontally (different sections of the development). Ownership Can be owned by an individual, company, REIT, or government entity; may be leased or sold as separate units. Financing Considered commercial real estate; underwriting depends on the income mix and proportions of use types. 🏢 Common Mixed-Use Examples: Urban Buildings: Apartments above restaurants or retail stores (like Starbucks or a dry cleaner). Suburban Developments: Townhome communities built around a retail plaza or office park. Live/Work Units: Ground-floor office or retail space with a residence above, often used by entrepreneurs. Transit-Oriented Developments: Mixed-use buildings near train stations or bus hubs. 📊 Benefits of Mixed-Use Properties: Diversified Income Streams (residential + commercial) Increased Foot Traffic for businesses Live-Work-Play Environment appeals to urban dwellers Higher Land Use Efficiency and potentially better returns Encouraged by city planning to reduce sprawl and support sustainability A mixed-use property is a type of real estate development that combines two or more different uses within a single building or development. The most common combination is residential and commercial — for example, apartments or condos above ground-floor retail or office space. 🔑 Key Characteristics of a Mixed-Use Property: Feature Description Use Types Typically includes residential, commercial, retail, office, and sometimes hospitality or industrial components. Zoning Must be zoned for mixed-use by the local municipality. Layout Different uses are separated vertically (e.g., retail on bottom, housing on top) or horizontally (different sections of the development). Ownership Can be owned by an individual, company, REIT, or government entity; may be leased or sold as separate units. Financing Considered commercial real estate; underwriting depends on the income mix and proportions of use types. 🏢 Common Mixed-Use Examples: Urban Buildings: Apartments above restaurants or retail stores (like Starbucks or a dry cleaner). Suburban Developments: Townhome communities built around a retail plaza or office park. Live/Work Units: Ground-floor office or retail space with a residence above, often used by entrepreneurs. Transit-Oriented Developments: Mixed-use buildings near train stations or bus hubs. 📊 Benefits of Mixed-Use Properties: Diversified Income Streams (residential + commercial) Increased Foot Traffic for businesses Live-Work-Play Environment appeals to urban dwellers Higher Land Use Efficiency and potentially better returns Encouraged by city planning to reduce sprawl and support sustainability and 🔑 Key Characteristics of 5–10 Unit Multifamily Properties: Feature Description Number of Units 5 to 10 self-contained rental units, each with a kitchen and bathroom. Zoning Generally zoned as multifamily residential or mixed-use, depending on the area. Financing Category Considered commercial real estate by most lenders (5+ units triggers commercial underwriting). Ownership Typically owned by small investors, partnerships, or LLCs. Management Can be owner-managed or managed by a third-party property manager. 4. Private or Bridge Loans Short-term, higher interest Used for rehabs, quick purchases, or properties that don’t qualify for traditional financing 📊 Why Investors Like 5–10 Unit Multifamily: Easier to manage than large apartment complexes More scalable than single-family rentals Still eligible for economies of scale (one roof, one lawn, multiple rents) Can often house hack (live in one unit, rent the others) Tune in and learn https://www.ddamortgage.com/blog didier malagies nmls#212566 dda mortgage nmls#324329

📉 1. Borrowing Becomes Cheaper Mortgage rates tend to fall, making it easier for people to buy homes or refinance. Car loans, personal loans, and credit cards may also have lower interest rates. Businesses can borrow more cheaply to invest in growth. 💸 2. Consumer Spending Increases Since borrowing is cheaper and savings earn less interest, people are more likely to spend money rather than save it. This can boost demand for goods and services, helping to stimulate economic activity. 🏦 3. Savings Yield Less Savings accounts, CDs, and bonds typically offer lower returns. This can push investors to move money into riskier assets like stocks or real estate in search of higher returns. 📈 4. Stock Market Often Rallies Lower rates can mean higher corporate profits (due to cheaper debt) and increased consumer spending. Investors may shift funds from bonds into stocks, driving up equity prices. 💵 5. The U.S. Dollar May Weaken Lower interest rates can make the dollar less attractive to foreign investors, potentially weakening the currency. This can help U.S. exporters (as their goods become cheaper abroad) but may also increase the cost of imports. 🧩 6. Inflation Could Rise More spending and borrowing can increase demand, which may push prices up, leading to higher inflation—especially if supply can’t keep up. 🏚️ 7. Real Estate Activity Tends to Pick Up Lower mortgage rates can boost homebuying, refinancing, and construction, which helps stimulate related industries. tune in and learn https://www.ddamortgage.com/blog didier malagies nmls#212566 dda mortgage nmls#324329