I own a commercial property with a business with two apartments above it. The upstairs apartments have egress in the front and back with parking for four cars in the back. I am pretty sure having a storefront makes the property commercial so you can't get a standard home loan. You will need to pay outright or get a commercial mortgage. Commercial mortgages are a bit different than residential, you have a higher interest rate and shorter terms. My rate was 1.5% more than residential with 10 years. They don't roll the insurance and taxes into your payment. My commercial insurance is around $2600 a year. I'm glad that I bought the building but I'm really glad I got it for a good price at the time. If you want to get a residential mortgage, get a multi-family property, duplex, triplex, or quadplex, and just live in one unit.