CMX zoning...residential or commercial financing?

[Kathleen DeNault-Ridge]

I've been researching potential markets in which to invest in multifamily properties.  I've come across a market which has quite a few properties with CMX zoning.  The properties I'm interested in are small...having 4 or less units.  Usually, these properties have a small business entity on the ground floor with 1, 2, or 3 seperate residential rental units above the ground floor.  I know that 4-plexes (and under) use residential financing.  And, of course, commercial real estate (and 5+ multifamily units) requires commercial financing.  As small commercial mixed-use properties seem like a hybrid blend of the two (commercial and under-5 unit rentals) what type of financing is typically utilized for small CMX properties?  

Kathleen