Financing for Mixed-Use building? Apt+offices

[Ryan K.]

I am looking at a 2-story building in my downtown area.  There is a nicely updated 2 bed / 2 bath apartment upstairs, and 2 ground level commercial tenants (presently a hair salon with a full bathroom and office).  It is not condominiumed, 1 whole building.

If we were to move into the apartment, could we get owner-occupied financing?  30-year, 3.5% (or wherever it may be), we could up to 20% down - is less than 20% an option?