I understand that church lending can get a bit hairy, but I’d also like to preface this discussion with the fact that there are definitely some lenders out there (that I’ve spoken to) that are willing and able to use an FHA loan to secure a mixed-use property with its commercial space currently occupied by a church.

I have a property under contract, but the underwriter at my hardmoney lender indicated that since the bottom unit has most recently been used as a commercial property, that the appraiser will want to classify the prop...

I also have a 50/50 partner in the mix. 

Your landlord will want to qualify the tenant, so assure him/her that he/she has final say on whether or not this new tenant can take your place.The issue for your landlord is that you and your roommates jointly qualified for the apartment, but maybe the new person you bring you won't have income or good enough credit that the new tenant mix qualifies.

Sometimes you'll come across mix used properties.

@Jonathan Feliciano if you're interested in comparing short-term rentals in the mix, happy to provide analytics and info! 

A mix of many assets in conservative quantities arguably is the safest way forward. 

We just built a small mixed use building in Downtown Bryan with 20 residential lofts and up to 6 retail spaces, we also have two other commercial multi tenant buildings with 9 spaces.

Lots of confusion and mixed messages.

We're having trouble finding a mix of affordability, rental interest, and safety.