Financing a bed and breakfast with conforming mortgage

[Kyle Stewart]

Does anyone know if a conforming mortgage could be used on a property that is currently on the (Montana) cadastral as a commercial property, but which could be used as a home as it is? I know a conforming mortgage does not work for commercial property in general, but the question is how commercial vs residential is defined. Just looking at this bed and breakfast it certainly could be used as a single family home with no modifications. However, it is not currently used that way, and is currently considered commercial property in state records.

Zoning is not an issue, it is on a residential street with all normal houses.

I guess the brunt of the question is, how is the commercial vs residential classification determined for the purposes of conforming mortgages?

If intended use matters, I would be interested in any insight relating to this question, whether on the assumption of continued bed and breakfast use, use only as a long term single family rental, or use as a personal residence.