Mixed use property - Can I owner occupy?

[Brian Ellis]

There is an old motel, with a large single family home, and 5 cottage style rooms on the lot. They only have one room with a bathroom.

I would like to live in the single family house and airbnb the rest of the rooms. The property has an 8 room license.

Every lender I speak to says I will need commercial financing, and that commercial financing will not allow me to owner occupy.

My argument is the field card has the property listed as 2 units, and if that is the case then it should be an issue to get traditional conventional financing right? As long as 51% is considered "residential". But thats where I get confused because what determines residential/commercial?

Any help is greatly appreciated!

Brian