Two Loans VS One Loan on two 4-plex

[Tariq B.]

Greetings,

Looking for peoples opinions. I currently have 2 4-plex under contract. They are two completely different properties with different address in different parts of town owned by the same owner. My banker has said we can put both properties under one loan but I’m starting to wonder if that’s a good idea. 

What are your thoughts? Is one loan better than two for two different properties? 

Also banker is treating them like a commercial property and doing a 20 year loan instead of 30 with 4% interest and 1% origination.