Conventional secondary market loans vs commercial loan

[John G.]

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.