--- title: Commercial Loans and Fun Blog | USDA commercial lender description: USDA commercial lender | George Blackburne, owner, offers insight into the commercial loans and mortgage industry in this Commercial Real Estate Loan Tips blog. --- [![c-loans-logo-2025](https://info.c-loans.com/hs-fs/hubfs/images/c-loans-logo-2025.png?width=183&height=86&name=c-loans-logo-2025.png)](https://c-loans.com) [Terms of Use](https://www.c-loans.com/terms-of-use) | [Disclaimer](https://www.c-loans.com/disclaimer) | [Blog](https://info.c-loans.com/) # Commercial Loans and Fun Blog ## [USDA Commercial Loans and Mixed Use Properties](https://info.c-loans.com/bid/53473/usda-commercial-loans-and-mixed-use-properties) Posted by [George Blackburne](https://info.c-loans.com/author/george-blackburne) on Thu, Jun 3, 2010 - [Tweet](https://twitter.com/share) *Will the USDA Guarantee Commercial Loans Where There Are Some Residential Units on the Property?* USDA commercial loans are terrific deals, if a commercial property qualifies. Certainly motels, hotels, restaurants, office buildings, retail buildings, strip centers and industrial buildings qualify. However, apartment buildings do NOT qualify. The purpose of a USDA commercial loan is to promote the growth of businesses and industries in rural areas. Mere rental housing is not considered a business or industry for the purposes of this program. But what about a mixed use property, such as apartments over several storefronts? You'll find a great many mixed use buildings in the center of most older towns. Do these properties qualify for a USDA commercial loan? [![Free List of 3,159 Commercial Lenders Sort By Your Own Criteria](https://no-cache.hubspot.com/cta/default/37671/edc33fe8-9d87-477b-bf2f-07a33d3d2d24.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/edc33fe8-9d87-477b-bf2f-07a33d3d2d24) I asked this question of a USDA commercial lender. Here is his response: [There is no blanket rule. Each property would be looked at on a] case by case basis, depending on the amount of mixed use. Some state offices are more open to it than others. Generally, the residential component has to be small compared to the rest of the project. If the residential portion is more than 50% [of the total square footage or scheduled rents], it would not work. --- Need a USDA commercial loan right now? Please call Tom Blackburne at 574-210-6686 or email him at **[tommy@blackburne.com](mailto:tommy@blackburne.com)**. 4 Comments [Click here to read/write comments](https://info.c-loans.com/bid/53473/usda-commercial-loans-and-mixed-use-properties#comments-listing) Topics: [USDA commercial loan](https://info.c-loans.com/topic/usda-commercial-loan), [USDA commercial lender](https://info.c-loans.com/topic/usda-commercial-lender) [All posts](https://info.c-loans.com/all) ### George Blackburne III Owner of C-Loans, Inc. ![George Blackburne III C-Loans Owner](https://info.c-loans.com/hs-fs/hubfs/George%20Head%20Shot%20Small%205%20by%207%20copy.jpg?width=158&name=George%20Head%20Shot%20Small%205%20by%207%20copy.jpg) ### Subscribe via E-mail ### Connect with C-Loans ## [![Get the Latest Scoop on C-Loans Inc.](https://no-cache.hubspot.com/cta/default/37671/bacfb58b-143e-40d7-b126-33c182b5b90b.png)](https://cta-redirect.hubspot.com/cta/redirect/37671/bacfb58b-143e-40d7-b126-33c182b5b90b) C-Loans.com® is sponsored by  C-Loans, Inc. — For more information, contact Tom Blackburne 555 University Ave., Suite 150, Sacramento, CA 95825 Telephone: (916) 338-3232 x 317 * Tom Blackburne in Indiana: (574) 210-6686 * Fax: (916) 338-2328 Real Estate Broker -- California Department of Real Estate -- License Number 01330173 Arizona Dept. of Financial Institutions – License Number 0909472 The Florida Mortgage Brokers License Number: 0708758 [Read our many client Success Stories](https://c-loans.com/mortgage-brokers-overview/success-stories/) » © 2025 C-Loans, Inc. All rights reserved.