Avoiding violation of usury laws.

[Alfred Bell]

Considering making a 6 month loan to a flipper for a property that he wants to keep as rental (he will get long term financing later). I've been told one can't loan above 10% for a consumer loan unless it is done through a broker. I was given the solution that if the note is written as a commercial promissory note and it is made clear in the note that it is not a "direct to consumer loan" and that the property is not intended as a personal residence and that borrower's personal use of property will accelerate the loan... that the interest can now legally be above 10%. Is this correct?