Commercial financing question

[Michael Vallee]

No longer amongst the "W-2'ers" - living on rental income and capital. (Due to circumstance - more so than some freedom walkout retirement announcement) When applying for a commercial loan - I've read that the loan is based mostly on the property's income to loan servicing amount. What impact will not having a W2 have in this process? Any other compensating factors? Credit is good and rental incomes cover monthly "nut". I'm knee deep in boosting NOI on my 1st commercial apt - 6plex that was seller financed - but thinking out to a cashout refi. As an option. Any insights or caveats would be appreciated. Michael Vallee