However, there are a few specific scenarios where the lines between residential and commercial financing can overlap: 1. Mixed-Use Properties (Residential + Commercial)

: These loans are generally restricted to properties with 1–4 units . Once a building has 5 or more units, it is almost always classified as commercial. 2. Properties with Up to 4 Units

While the mortgage on the commercial property must be a commercial one, you can use your to help:

: Most lenders, including the FHA , require the property to be at least 51% residential by floor area.