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Updated almost 9 years ago on . Most recent reply

John G.'s profile image
John G.'s profile image
John G.
  • Rental Property Investor
  • from Brainerd, MN
  • Member since Dec 28, 2015
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71
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John G.'s profile image
John G.'s profile image
John G.
  • Rental Property Investor
  • from Brainerd, MN
  • Member since Dec 28, 2015
Connect
John G.
  • Rental Property Investor
  • Brainerd, MN
41
Votes |
71
Posts
Multi-Family and Apartment Investing

Conventional secondary market loans vs commercial loan

John G.
  • Rental Property Investor
  • Brainerd, MN
Posted

I am looking to buy/finance my next rental property which happens to be a four plex.

I am just wondering what the advantages/ disadvantages are of each type of loan.  The conventional loan is 25% down 4.375% for 30yrs fixed.  The commercial loan would be 4.5% with 20% down and interest gets re done every 3-5 years.

I have always done conventional loans.  But in the past have ended up paying off 4 of the 5 loans within 4 yrs by snowballing. 

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