For retail centers you could have all national tenants, some mix of national and regional to mom and pop, all mom and pop.

. $1.1 mil + equity in my property (no liens, and very good credit score)Since I am running a business on my first level of my home, I couldn’t find any financial institution to secure me a HELOC (apart from point.com which doesn’t seem a good deal for me)…apparently, the lenders don’t like mixed commercial/residential type of business (e.g. assisted living).

Every city has its own mix of 'good area' and 'bad area' thing going on to some extent, but the bigger picture needs to be solid firstly.Beyond that, I think you're touching on numerous different things here but my mind would be on getting actual numbers/data. 

Since I did that thought of some more and ended up buying another mixed unit commercial and residential unit and renting them out with mixed people some good and some really horrible.

You are mixing up a number of things. 

You can not mix/combine personal IRA with inherited IRA.

My mind has been on overload lately and I've honestly got the two mixed up!

You get higher rents and on top of that because tenant mix is stronger usually with national tenants you could then likely sell at a lower cap rate for a higher price point value.

Have mixed feelings about it..lol 

Find a lender and get their package of costs, points fees, and find a deal that makes $ with that in the mix, and flip a house...