Bank Statement Converter for Mixed-Use Property Loans

Mixed-use property owners (live-work buildings, storefront apartments, retail-residential combinations), commercial real estate investors, and owner-occupied business property owners can convert bank statement PDFs to Excel or CSV to document combined residential rental income and commercial rental income for mixed-use property mortgages and SBA 504 loans.

Key Benefits

How It Works

  1. Step 1: Upload personal/business bank statement PDFs (24 months)
  2. Step 2: Select Excel output
  3. Step 3: Document all income streams: residential tenants, commercial tenants, business income
  4. Step 4: Submit to commercial lender with rent rolls and lease agreements

Frequently Asked Questions

How do mixed-use property lenders evaluate income from combined residential and commercial tenants?
Mixed-use lenders evaluate the property's combined net operating income (NOI) from all income streams: residential apartment rents, commercial space rents, and any owner-occupied business income. Export bank statements to show actual rental deposits from residential tenants and commercial tenants separately. Most mixed-use lenders classify properties as commercial if >50% of income comes from commercial tenants — requiring commercial mortgage underwriting (higher rates, 20–30% down) rather than residential (lower rates, 5–20% down).
Can owner-occupied mixed-use properties qualify for SBA 504 loans?
Yes. SBA 504 loans are ideal for owner-occupied mixed-use properties where the business owner's business occupies 51%+ of the commercial space. Export business bank statements to show operating revenue from the business occupying the commercial portion. The residential rental units provide supplemental income for debt service coverage. SBA 504 requires only 10% down for owner-occupied properties — significantly better than conventional commercial loan terms (25–30% down).
Convert Mixed-Use Statement Free