Best loan for a $1 million multifamily property

[Jeff Kennedy]

I currently own several SFRs and small multi-family properties (duplexes, etc.). I'm looking at buying my first apartment building (small 10 to 20 units) for about a million dollars. This will be a long term buy and hold - probably held until my death (I'm about 40 years old). I'd prefer to have a fixed rate for a long term - 30-40 years with cash flow as my main objective.

I'd like some opinions about the best loan programs out there for this type of thing. Which program would you choose and why?

The property will be in California. C to C- area. Condition of property will be fair to good.

Maybe there  a couple of good discussion forums someone can refer to?

Thank you for the help!!