We have two residential properties we are interested in purchasing.  Both properties are owned by the same seller.  He has listed them separately but is offering them as a package.  

Scenario:

1.)  Property 1 is a $70,000 4 unit residential multifamily

2.)  Property 2 is a $70,000 4 unit residential multifamily

Before we enter any form of contract, here lies the question.  How should we approach the financing?

A.)  Two residential loans so two different transactions

B.)  One commercial loan

C.)  Portfolio loan

We do have 25% down payment available for whichever route we choose.  Our goal is to keep the hassle and costs to a minimum.  Please provide any thoughts and advise?  If it is a Portfolio loan, please expand as we have only closed on residential and commercial loans in the past.  

Thank you for your feedback.