“Identified one underperformer dragging blended DSCR — restructured into 2 loans.”
Mixed-use and portfolio deals break most underwriting templates. A retail-over-multifamily building or a 12-property portfolio needs segment-level NOI, weighted cap rates, and a cross-collateralization analysis — not a single-asset spreadsheet. AssetForge Underwriter handles all of it.
Upload the OM and operating statements. The report separates each segment's income and expenses, runs an allocated and blended DSCR, and tells you whether the mix is financeable as one loan or better split across multiple facilities.
We publish one full reference report so you can read every section before you upload anything. The structure is identical for mixed-use / portfolio deals — the same 14 sections, the same depth, the same lender-ready output.
Retail, residential, office, storage — each segment gets its own cap rate and NOI so you see the real value mix.
Runs the portfolio on a blended basis and on a per-asset basis — flags whether one asset is carrying the others.
Shows how cross-collateralized debt affects release clauses, sale proceeds, and asset-level cash flow if one deal falters.
Recommends whether to finance as one loan (better rate, less flexibility) or multiple (higher rate, more optionality on exit).
Our mixed-use and portfolio underwriting service handles every flavor of multi-segment deal: retail-over-residential, office-over-retail, mixed-use storage, single-tenant net-lease portfolios, and scattered-site multifamily portfolios. Each segment is underwritten on its own cap rate and expense structure, then re-aggregated into a portfolio view. The report explicitly recommends single-loan vs split-loan structuring based on the math.
Our blended DSCR analysis runs the portfolio at the loan level (cross-collateralized) and at each asset level (stand-alone) and surfaces the gap. If one asset is carrying the rest, the report flags it. We model release-premium math, cash-flow waterfalls, and what happens to portfolio DSCR if one asset goes vacant. Critical for any deal a portfolio lender will actually fund.
Mixed-use financing eligibility depends on the residential/commercial split: more than 30% commercial typically rules out agency, and CMBS eligibility hinges on tenant credit and lease-rollover risk. Our eligibility module screens the deal against agency multifamily (with commercial limit), CMBS, and balance-sheet bank programs and tells you which path is realistic for this specific mix.
There's no hard limit — portfolios up to 50+ assets have been analyzed. Beyond that, the workflow shifts to uploading a portfolio-level summary and spot-checking 5–10 representative assets in detail.
Yes. Mixed-use single buildings are one of the most common use cases. Each floor or segment is underwritten independently with the appropriate cap rate, then combined.
Yes — the report models both cross-collateralized and stand-alone debt scenarios and recommends which produces the better risk-adjusted return.
Plain-English explainers covering the formulas, eligibility rules, and risk flags that drive mixed-use / portfolio deals.
How portfolio lenders compute DSCR across multiple assets — and where the math breaks.
Read guide →Splitting residential and commercial income and expenses cleanly — the segment-level approach.
Read guide →The 6 flags every portfolio lender hunts for in a mixed-use OM.
Read guide →Start with a free Go/No-Go screen. Upgrade only if the deal looks real.
AI-generated informational analysis only — not financial, legal, lending, or appraisal advice. Not a substitute for a licensed MAI-certified appraisal or professional due diligence. All figures, projections, and market estimates must be independently verified by qualified professionals before any capital decision is made.
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