Mixed-Use Property Funding

[Megan Lafaso Hercher]

Hello, 

I'm not a huge forum person but I am having a difficult time finding the clear answers I am looking for. In October 2020 my husband & I purchased a mixed use property in NH in cash so we do not have a mortgage. There is a 900 sq. foot retail space & a connecting 1,300 sq. foot residence. We are in the midst of applying for the appropriate business licenses & doing as many renovations to both spaces as we can afford. It is an older property that we'd like to update & modernize, some projects are more pressing. Lending has been seemingly impossible and I understand why, commercial options need to see a profit from the business and on the residential end of things I've heard from multiple lenders that there is too much commercial square footage. I was really interested in Lines of Credit and HELOC's , does anyone have any experience in these kinds of lending options relating to mixed-use properties? Thank you.