Buying A Commercial Property With A Residential — Mortgage

: You must typically live in one of the residential units as your main home.

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

Even if you intend to use a property for income (like renting out all units), a building with can often be financed with a residential loan (specifically a "buy-to-let" or standard investment mortgage) rather than a commercial one. 3. Using Home Equity for a Commercial Purchase : You must typically live in one of

: 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 including the FHA

If the property contains both residential units (like an apartment) and a commercial space (like a shop on the ground floor), you may be able to use a residential mortgage if it meets specific criteria: