We believe our historic home would be suitable for a small B&B. We've already joined our state association and attended its aspiring innkeepers seminar, and we've been reading lots of books, doing research and talking to city and historic zoning officials in our town. We are good number-crunchers. We have full- and part-time income between us, plus ample savings based on what we have researched for startup costs and a year of cushion. We have researched zoning, permits and such already and we don't think those will be a problem. So with our residential mortgage, can we do this? Or is a commercial loan mandatory? There is no language in our mortgage or loan application about not using the home for a business, only that we don't use it for "illegal" or "prohibited" activities and that we occupy it as our primary residence. I've read a lot online about people converting their homes to B&Bs and not seen any real discussion about the mortgage question if you already live in your home, and will continue to do so, and have the income to make the mortgage payments while you transition to other forms of income. I know this is not a legal-advice forum, but am wondering what others have done and how it worked.