Who wooul do a mix use 4 family plus 1 store usisng the highest score to qualify?

Who wooul do a mix use 4 family plus 1 store usisng the highest score to qualify?

You can get a loan for a mixed-use property with 4 residential units plus 1 commercial store from several lenders, but none will use the highest credit score to qualify—all use the lowest or middle score among borrowers.

Lender & Program Comparison for Mixed-Use 4 Family + 1 Store

LenderProgram NameMixed-Use 4+1 Eligible?Credit Score Used for QualifyingNotes
AmWestInvestor Advantage❌Lowest representative scoreMax 4 total units (residential + commercial); 5 units not eligible
A&D MortgageDSCR (No DTI), Foreign National DSCR, Foreign National Full Doc✅Typically lowest or middle scoreMixed-use allowed; min FICO 680 for mixed-use; confirm program for exact score method
Champions FundingConsumer – No Ratio❌Primary borrower’s scoreOnly 1-unit mixed-use, owner-occupied; 4+1 not eligible
NQM FundingInvestor Mixed Use 2-8 Units and Residential 5-10 Units✅Middle of 3 or lower of 2 scoresMin FICO 660; commercial income ≤49% of total; 2-8 units allowed
The Loan StoreFlex DSCR Non-QM✅Lowest qualifying score2-8 units, up to 2 commercial units; min FICO 680 for mixed-use

Key Takeaways

  • Eligible Lenders: A&D Mortgage, NQM Funding, and The Loan Store all have programs for your property type.
  • Credit Score: All use the lowest or middle score among borrowers—not the highest—for qualification.
  • Unit/Commercial Limits: Your scenario (4 residential + 1 commercial) fits the guidelines for these lenders, as long as commercial space/income is within program limits (usually ≤49%).

Next Steps

  • If you want a detailed breakdown of program features, rates, or documentation requirements, let me know.
  • If you have a specific lender or program in mind, I can provide more details on their guidelines.
  • If you want to discuss how to maximize your qualifying credit score, I can offer tips on structuring the application.

Would you like more details on a specific lender or program? Or do you want to see a side-by-side feature comparison?

No lender or program currently allows you to qualify for a mixed-use property (4 residential units plus 1 store) using the highest borrower's credit score. All use the lowest or middle score among borrowers.

Lender & Program Summary

LenderProgram(s) Supporting Mixed-Use 4+1Credit Score Used for QualifyingNotes
A&D MortgageForeign National DSCR, DSCR (No DTI), Foreign National Full DocLowest middle score of all borrowersMin FICO 680 for mixed-use; no program uses highest score
Champions FundingNone for 4+1 mixed-use (only 1-unit allowed)N/ANot eligible for your property type
NQM FundingInvestor Mixed Use 2-8 Units, Investor DSCRMiddle of 3 or lower of 2 (primary borrower)No program uses highest score
Orion LendingCOIN X Business Purpose Investor Cash Flow, Titan FlexLowest middle score of all borrowersNo program uses highest score
The Loan StoreFlex DSCR Non-QMLowest qualifying score of all borrowersNo program uses highest score

Key Points

  • All eligible programs for your property type use the lowest or middle credit score among borrowers for qualification.
  • No lender on the MortgageQ platform allows qualification using the highest borrower's credit score for mixed-use 4+1 properties.

If you want to discuss how to maximize your qualifying score or need details on other eligibility requirements, let me know!