Living in a Primary home that has a commercial loan on it

[Adam Soyak]

We are getting our first commercial loan on a property to initially rent out. It is zoned single family but there are 2 dwellings. We intend on renting both units out for minimum of 1 year before we move into one of the units. Has anyone had a commercial loan before where they occupied one of the units as a primary (house hack). We are concerned that the bank may call the note due, when we lose the income to one of the units. The income on one of the units will only cover 66% of the overall PITI. This bank requires us to file an annual income report for the property. We are aware that if we get a conventional primary loan on the property that we cannot use the income from the one unit due to the single family zoning.

Looking for advice or suggestions.  Thank you in advance!