Two property categories come up when it comes to commercial mortgages :

1) The residential Multi-Lodging :

A majority of banks and mortgage lenders consider that any property with more than 4 residential lodgings with a distinct front door are considered multi-lodging and the rules about commercial mortgages apply.

However, some banks make an exception with the properties including 5 to 8 lodgings, and keep applying the qualification rules of residential properties with 4 and less lodgings.
The qualification is essentially based on the property’s capacity to generate enough income to support its mortgage weight and the charges associated with it.

2) The pure, hybrid or industrial commercial.

Whether the property is totally commercial, industrial or hybrid (commercial with a residential part), the commercial qualification rules apply in their integrity depending on the politics of each lender.
Contrary to residential mortgages, the commercial mortgage broker is paid by the customer (the one asking the mortgage) and not by the bank.