If it were your primary residence, you may be able to get a residential loan.
This really is an investment property and there are differences.
Gladstone Group has a subdivision that handles commercial loans. Please call Doug or Curt Gill at 201-638-0821 or email at email@example.com or Doug Gill 201-321-5398 firstname.lastname@example.org.
Either Curt or Doug will be happy to answer all of your questions.
Mixed use zoning may still qualify for a conventional loan (standard mortgage). I had deals like that where the client got a conventional mortgage and I own a mixed use zoned property myself which I bought with a conventional mortgage. The difference is that it's easier to qualify for a conventional loan. The question is, are you planning to live in this property? If yes, then you can get away with 10% downpayment, if not, you may need at least 20% downpayment and 6-8 month worth of PTI (mortgage, insurance, tax) payments in you reserve/saving account, in addition to closing costs.
Of course in depends on particular lender guidelines.
Feel free to contact me if you wish to discuss this further. Good luck!
Kennedy&Kennedy Real Estate