Over thinking complicates the body and the mind (TOOL).

For the next step, I need to get the answer for the switch to the FHA mortgage to commercial loan/Owner occupied for one apt. and it looks complicated for my Broker. 

For the next step, I need to get the answer for the switch to the FHA mortgage to commercial loan/Owner occupied for one apt. and it looks complicated for my Broker.

Now the project faces another, potentially even greater, complication.

It's not too complicated.

It can't really be that complicated.

If by commercial you mean retail/office type property then one of the large differences that makes it slightly more complicated is setting a rent that you will be happy receiving into the future as typically you would want to lock in longer term leases.

In addition, some waterfall structures are complicated enough that the LPs can't easily track what they should be receiving which can cause some mistrust between GP and LP.I prefer a much simpler structure where the  GP takes a flat percentage of profits. 

Your situation is more complicated than typical scenarios i've read about , so does seem like a question for a CPA (who has good knowledge of real estate - sounds like plenty of CPAs don't know how to handle this).  

We are creatures of habit, and we often perceive change as a bad thing – we perceive it as risky, costly, or too complicated.