Mixed use property

[Sebastian Hindsley]

First time home buyer for a mixed use property.  275k on which I can get for 250k . Saved 60k. Commercial side is lease to lease rent . If I take tenants out would my commercial insurance and flood insurance go down since I will be living in the 2 bedroom upstairs. It’s a brick 1940 row home. Which will be best for down payment and which loan to choose. Should I use a co signer, who only makes 25k a year. I got approved already for 280k.