Commercial is more than 25% of the quadplex!!!

Hi guys, I’m new to investing... I’m looking into this quad with a storefront. I talked to local banker who is willing to help me get the deal done, but i have to do it under an llc ( commercial loan 25% down 5year fixed ) Cause the store is 30% of the property. My original plan was to refinance my primary residence out of the FHA ( about 200k equity) then purchase the quad FHA( owner occupied), rent out my house and have money left to find another property... Help me see this clear , thank you