Has anyone used a Commercial Loan to finance a property?

[Tawny Bloom]

We have a property we are looking to buy but traditional residential loans will not be an option as my husband is self employed and they will not consider his income.  We are exploring the idea of doing a commercial loan but I am curious if anyone has any feedback as to advantages and disadvantages of going this route.  The loan would have a max term of 20 years.  We would have the option of doing either a fixed rate for 5 years (approx 4.25%) that then resets or a floating rates based on prime.  Thoughts?