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    When does it become a commercial loan?

    Well that's the great thing about residential loans - after approval they don't bother you for 30 years unless you refi so they will never know.
  2. A

    When does it become a commercial loan?

    It depends on the zoning but also how the property is configured. If the zoning allows resi use, and the configuration of the house is such that people can live there then it should be fine. Upfront valuations are essential for this.
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