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?

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Family of four moves onto boat to find path again

When my husband and I met ten years ago on Orcas Island, we would spend a considerable amount of time dreaming of living alternatively. The thought of a house in a neighborhood bored us to tears. We wanted different, we wanted a little hardship in our living, and we wanted to physically work for what we had. The standard American way of living never looked that lovely to us. And then one day it all became clear. This little family of four + one old lab needed a boat.