Financing Options on Unique Property

[Derrick Jordan]

Greetings,

I need suggestions/assistance in determining the best route for financing a possible purchase. 

I am looking at a property that consist of two buildings joined by a courtyard, that are in an area that is zoned commercial/residential. Building #1 is a commercial building converted to a 3000 sqft 2 bed/2 bath residential property. Building #2 is a 2000  sqft empty shell building that could be finished as residential, commercial or Mixed-Use. 

Due to the uniqueness of the property, I was told by local lenders that I could not purchase using a residential loan.  

Are there any loan programs that would not require a 20% down-payment? Building #1 would be owner occupied.

Any and all suggestions are greatly appreciated.

Thanks