Hey yall dont laugh
You know there is owner occupied for residential properties and there is a higher ltv on a loan because you occupy it…would there be one like this for a commercial loan? I figure If I occupied the property and I managed it. They would give me a higher ltv. I would save money on the down payment. 
Howdy Strted@22:
You can owner occupy up to a 4 unit deal. After that you have to do a commercial loan.
Actually your question is a good one!
Yes there are in fact catagories in commercial loans for owner occupied vs investment properties.
However, these are most commonly applied to properties such as Office, warehouse, light industrial, manufacturing or professional buildings.
This also opens the door to Small Business Administration loans (SBA) that will allow higher LTVs than a lender might normally offer.
thanks for the replies,
I went to a SBA meeting regarding financing today, and the instructor told me that they dont do a SBA loan for investment properties. Im not doing it for investment reasons. I wanna live in it as my residence. Is there any ways I can get around it?
Thanks.
Sure…sounds like it’s probably zoned as mixed use. There are plenty of lenders that fund mixed use properties, but they look at EVERYTHING scrutinously.