Commercial Financing (Apts)

[Fred Ramos]

Hi All!
I just need to run this by you guys/gals and see what you all think.
just a little background on myself and wife first to better illustrate the picture. we started investing in RE (SFR) just over a year and a half ago and have managed to purchase 3 properties all with conventional financing (20% down). we've pretty much decided that this is what we want we want to do as we near our retirement years (don't want to rely on good old uncle sam). anyway, we are currently rehabbing our third prop. and have a little ways to go as we do most (90%) of the work ourselves. our plan is to refi once the project is completed and thus get some of our money back so that we can re-invest in other properties.
(Property will still cash flow after refi.)
well, now we may have the opportunity to purchase a small apt. complex but financially we do not have the required 20% (especially since it will be commercial). realistically, even once we refi we are going to be a little short. my question is, how would one go about (if possible) arranging financing for something like this. we both have full time jobs with scores over 700 and DTI of about 35% any suggestions would be greatly appreciated.
Also, thanks to all of you for the great posts and replies. I've learned an awful lot here in the last couple of months.