Commercial Lending vs Conventional

[AL Brown]

When dealing with 5plex and up the banks now look at the NOI and cap rates. My question is when applying for a loan for a multi-family over 5 units do the banks still take into account your personal debt to income and do they question any huge deposits (hard money/Private lender/friends&family) compared to conventional lending. I would like to use hard money for the down payment but however before I go that route want to know what if any impact would it have when doing commercial loans. Hopefully I'm making sense.