Any Way to Get Around a Commercial Loan On a 5 Unit Multi?

[David Healey]

Hi All,

We found what seems to be a good deal on a property where 7 units were built, but only 5 are being sold. My wife and I are looking to house-hack, but don't want to pursue a commercial loan. The description says, "Since the ratio of owner users in the property are less than 50/50 the buyer may need to obtain a commercial loan or pay cash,..." It says, "may." Does anyone know of a way around the commercial loan? Ideally, we'd like to try to get in on an FHA. Any and all advise will be helpful.