<prompt> Human: Im looking into buying a great piece of real estate in a small town. Its on the main road through town, but is zoned as residential and commercial. The property is two lots connected and one section of the building is a store and the other part of the building is a residence. Anyway, because of the dual zoning, Im being told Ill likely only be able to get an in-house loan, which would be interest rates at 14 or so. Also, it probably would be short term, 5 to 10 years.Does that sound right? Is there a possibility of getting a regular bank loan for it? I have great credit and can pay 20 down. I wouldnt live in the property since Im renting and working out of town. I want to buy it for somewhere to live later in life, and Id likely rent it until then.  <response>: Theres an endless supply of old stores apartments in all the small towns in the US. Most of them arent listed on the internet. Just go to any small town and walk around. Youll see them. So the thing is - theres no rush to buy any place right now. You can always find one later. 