Commercial Loans to Expand Past Deal 1?

[Joey Gorombey]

I just finished listening to the latest episode of the Real Estate Rookie Podcast w/ Grace! It got me thinking about how to best expand my position. I move into my first house-hack in two weeks and have 3 units (occupying one of them). With utilities and reserves account for, it will cost me $200-$400 a month while occupying, and cash flow $200-$400 when fully rented out.

Have any of you guys done 5/1 ARM loans on long-term multifamily rentals/buy-and-holds? Other commercial loans on long-term multifamily? What were the terms?

Are commercial loans a good way to circumvent DTI required by traditional lenders? What sort of down payments do they require?