Feel free to contact me for more details.
But an even more immediate option is to ask a Realtor or Title Company to check online tax records inside your building. We can often see what loans are against your neighbors' homes and what banks have done loans in the past. If you see a loan that looks like a refi, check on who did it and contact that lender. Chatting up your neighbors in the building to see if anyone else has pulled off a refi is another good way to do some research. Good luck!
Yes, it's pretty standard for lenders to aloow no more than 20% commercial space as a part of a condo development according to my mortgage broker. How many ;enders have you checked with? It would be a good idea to check with a mortgage broker since they have access to multiple lenders to review your particular situation.
Zephyr Real Estate
FHA just requires no more than 25% commercial space in a condo project - is your condominium FHA approved? You can check it out at https://entp.hud.gov/idapp/html/condlook.cfm or if it's not approved they can apply for their FHA loan approval, and then you would have FHA financing as a potential option to refinance into.
Do you know what type of financing do you have now? Who is your mortgage lender? Have you approached them to see what type of refinance terms you'd be eligible for? Was your condominium project once less than 23% commercial space/was there commercial space added recently?