What the hell are the financing options for non-traditional homes?

We'd convert the top floor into a swinging loft where we'd reside, and the bottom level would be studio and manufacturing space for my husband's freelance art business, possibly with a storefront gallery. Yet, we're having a terrible time finding funding for such a building. Why is it so difficult for banks to catch up to current trends, and be willing to fund live-work scenarios? What financing options are out there for people like us who aren't at home in a "normal" home?