Residential Mortgage or Commercial Loan for Mixed Use Property?

[Nick Molyneux]

So I've had my eye on a mixed-use property that is currently Zoned Residential Office. Current Use: Upstairs residential 2Br/1Ba with private entrance - AirBnb'd for the last 3 years averaging approx $15,000 gross income/year. Downstairs 1200sf commercial space being used for the past 30 years as an owner-occupied photography studio (retiring) Commercial rents for comparable office space around town are approx $20psf NNN utilized by typical professional service firms - lawyers, accountants, etc etc I’d prefer to get a conventional mortgage on the property in order to have a lower down payment and longer amortization but I’m not sure the usage will allow. Any guidance and advice will be greatly appreciated. Thanks