Here's a few thoughts that may help you.
First, if you go the residential route (assuming the property is 2-4 units), please note the max loan limit for Fannie/Freddie/FHA.
2 units $647,750
3 units $783,000
4 units $973,100
2 units $726,500
3 units $878,150
4 units $1,091,350
If you want a commercial loan, you may want to check Columbia Bank. They consider 3-4 unit residential properties as commercial. What's great about them is they'll actually do a 2nd lien mortgage on a 3-4 unit residential if there's enough equity. Typically limited to 70% loan-to-value.
FYI, the rental income calculations for an owner-occupied property on residential loans is harder than if they're full rentals, as guidelines require we use rent income as regular gross-income instead of an offset to the payment. You're likely correct in looking for a commercial loan if that's the case.