Here is data for residential SFH, 2 and 3 homes on one lot by occupant type - Averages. 

I am not in Baltimore, but there are some national insurers like State Farm and American Family Insurance that insure these types of properties.

Having lived in one side of 2 unit for 10+ years, therefore more than the 1 year expected occupancy to satisfy 1st mortgage, now wanting to rent both 2 units to tenants for long-term rental 12 month leasesdoes the original occupancy satifiy the HELOC if there is any type of requirement?

Justin,When you say commercial what is the property type and number of units, or is it a non occupant business?

Additionally what could be good indicators to identify a good investment property in Bay area, which locations are currently suitable for such type of an investments within 50miles?

.- matching the type of unit to the right guest avatar.

I would call this a mixed-use because the units are not of the same type. 

You simply want to know what price you could potentially sell for so you don't overpay and end up with negative equity.Cap rate works better with large multifamily for various reasons, but can technically be used for all property types if you like.

There is also a strong networking of Private Money Lenders at these type of events, which do make building that potential network of funding possible, too.

You've never been through any kind of economic cycles and at best have served a few dozen guests.