Needing advice on when to scale up

[Glenn Barlow]

Hi BP fam,

I currently own 37 Duplexes and my process is largely:

1. Buy portfolios, fix up, re-rent and create the value

2. Refi out and expand

My question to the experienced investors out here is....

When should I make the move from the 2-4 unit model up to the 5+ unit commercial Multifamilydeals.

One of my holdbacks is that I have a great lender that gives me 90/100 of the buy and fix for <4 unit model.

I realize that 5+ units will require more of a money down scenario (25%) and so I'm worried it will slow my growth down.

Any feedback or advice would be much appreciated!

G