Conventional Vs Commercial Loan

[Angie Gross]

I am wondering the pros and cons of doing a conventional loan vs a commercial loan? I just want to make sure I am looking at all of my options when weighing the numbers. What I already know. I know if I go the commercial route I will need to get commercial insurance vs the private insurance which seems to be a difference of 600 a month. Conventional I can lock in for 30 years, but need a 25% down payment which would come from our HELOC. Commercial I can get a 25 year with a relock every 5 years and only 20% down from a HELOC so big difference in payment from month to month. Commercial it will separate us personally from a business incase of legal reasons. Help New Investor here!