Found it, finally. Here's a post I made several months ago that may be of help mbzgrl:
There have been several questions in the past concerning whether to report mixed-use property when it comes to refinancings. Below is an answer that I recently posted in the Guru section.
I hope it will help you in these situations.
The regulation does not give specific guidance on refinancings when it comes to mixed-use properties, so this is how I approach it.
For mixed-use property the regulation gives the financial institution the means to determine the primary use of the property in the case of a purchase or for home improvement purposes by using either the square footage or the income produced on a case by case basis. For home improvement purposes you'll find more guidance in the GIR on page D-5.
The definition of a refinancing is any dwelling secured loan that is replaced and satisfied by another dwelling secured loan to the same borrower.
Therefore when refinancing a mixed-use property you need to determine if the original loan was considered secured by a dwelling or by business purpose property using the formulas allowed by the regulation at the time of the original loan. In other words how was the property classified for the original loan?
If the original loan was not secured by a dwelling per that formula then you are not replacing and satisfying a dwelling secured loan. Therefore your new loan would not meet the definition of a refinancing.
The opinions expressed are mine and they are not to be taken as legal advice.