Mixed use, depending on the bank,ltv tenants,lease history,cash backed assets, cash on hand,deposit history,declining market,fixed,variable,balloon,line of credit yada yada 5.5% is a gift. If you don't like the ethics of bankers you can simply not borrow, the ethics of bankers is largely regulated and enforced with a vengeance when was the last time a crappy architect was prosecuted? Don't give me the bankers ethics BS.