Working with seasoned investors requires understanding the market, guidelines, and investor goals. With small commercial and mixed use becoming more favorable nationwide for zoning, these 2-8 Unit Mixed use property requests are becoming more common. Learn how to set up and work on a 2-8 Unit Mixed Use Property DSCR loan with our experts!

The Mortgage Calculator Mortgage Loan Officer Training Series covers an in depth training for new and experienced MLOs on different loan types. Our program features a live demo to not only structure a loan, but also the specific setup of a loan file in an LOS system such as Encompass.

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The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) that specializes in using technology to enable borrowers to access Conventional, FHA, VA, and USDA Programs, as well as over 5,000 Non-QM mortgage loan programs using alternative income documentation!

Using The Mortgage Calculator proprietary technology, borrowers can instantly price and quote thousands of mortgage loan programs in just a few clicks. The Mortgage Calculator technology also enables borrowers to instantly complete a full loan application and upload documents to our AI powered software to get qualified in just minutes!

Our team of over 350 licensed Mortgage Loan Originators can assist our customers with Conventional, FHA, VA and USDA mortgages as well as access thousands of mortgage programs using Alternative Income Documentation such as Bank Statement Mortgages, P&L Mortgages, Asset Based Mortgage Programs, No Ratio CDFI Loan Programs, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages and thousands more!

Our Mortgage Loan Originators are trained to be loan consultants to guide borrowers throughout the entire loan process. A licensed Loan Officer is only a phone call or zoom meeting away and always available to assist borrowers throughout the loan application process all the way to closing. To apply for a mortgage please visit our Quick Mortgage Quote Page at

The Mortgage Calculator is a registered DBA of Mortgage Calculator Company LLC. NMLS ID #2377459. Programs and rates are subject to change without notice. Mortgage Calculator Company LLC is licensed in the following states that require specific licensing disclosures: AZ (#1040352), CA CFL (60DBO-171188), GA Georgia Residential Mortgage Licensee (#2377459), IL MB.6761755 Illinois Department of Financial and Professional Regulation, Division of Banking, 100 West Randolph, 9th Floor, Chicago, IL 60601 1-888-473-4858. Not licensed or conducting business in New York….(read more)

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Loan Officer Training: Navigating the Ins and Outs of Financing 2-8 Unit Mixed Use Properties

As the real estate market constantly evolves, loan officers must keep up with the ever-changing landscape to provide their clients with the most accurate and up-to-date information. One segment of the market that requires specific knowledge and expertise is financing 2-8 unit mixed use properties. In this article, we will explore the essential aspects of loan officer training in this area.

Firstly, let’s clarify what a 2-8 unit mixed use property entails. These properties typically consist of a combination of residential and commercial units, offering a unique investment opportunity for property owners. For instance, a building might feature four apartments on the upper floors and two retail spaces on the ground floor. This blend of residential and commercial elements requires a nuanced understanding when it comes to securing financing.

To tackle this type of property financing, loan officers must have a solid understanding of zoning laws, as they dictate the permissibility of properties with mixed uses. Each municipality has its own set of regulations, and loan officers need to navigate these intricacies to determine if the property adheres to the local regulations. Additionally, loan officers must be aware of any zoning variances that may affect the property’s value and potential for growth.

Another crucial element of loan officer training for 2-8 unit mixed use properties is analyzing the property’s income potential. Since both residential and commercial aspects are present, accurately assessing the revenue stream is vital. Loan officers should be adept at evaluating lease agreements, understanding market rents, and determining vacancy rates, among other factors. Accurately gauging the property’s income potential ensures that loan officers provide clients with the most accurate financing options.

Additionally, loan officers must be well-versed in the various loan programs available for 2-8 unit mixed use properties. Different loans cater to different property types and borrower circumstances. From conventional loans to Federal Housing Administration (FHA) loans, loan officers should be able to guide their clients through the options and determine the best fit for their financial goals.

Furthermore, loan officers need to collaborate with appraisers who specialize in assessing mixed-use properties. These appraisers closely examine the property’s potential income, market conditions, and comparable sales. Working with specialists in the field ensures that the property’s value is accurately determined, leading to more precise loan decisions.

Loan officer training for 2-8 unit mixed use properties should encompass risk mitigation strategies as well. Due to the added complexity of these properties, loan officers must be proactive in identifying potential challenges and mitigating risks. Conducting thorough due diligence, monitoring economic trends, and staying informed about changes in government regulations are essential steps to minimize potential setbacks.

In conclusion, loan officer training for 2-8 unit mixed use properties requires a comprehensive understanding of zoning laws, income potential assessment, loan programs, collaboration with appraisers, and risk mitigation strategies. By equipping themselves with this knowledge, loan officers can confidently guide their clients through the financing process, making informed decisions based on the property’s unique characteristics. In a constantly evolving real estate market, remaining up-to-date with the latest training is essential for success in this specialized field.