Financing real estate househack

[Simon Sanchez]

Ive read on The book on Investing in real estate with no and low money down that a 1-4 unit property is considered residential however I have been to 2 local banks and told them I was planning to househack and they have told me that since I would be renting to others and gaining income that it is commercial and what have to put 20 down is this strategy worth it now since according to them I'm unable to use an FHA loan since it's commercial property what do you guys think?