How does ReFi work in the commercial side of things?

[Douglas Gratz]

I have bought 8 properties in the past 4 and refinanced them all and since I bought them cheap enough I was able to pull my cash out and or profit while still renting them.  I created this post because my goal is to in one way or another own an apartment building 5,10,20 units (commercial) and I have so many questions.  

1. Developing small apartment 10-20 units....How does one do research on weather his location has a better than not chance of working out?

2. Just throwing random numbers if i built and it cost me 1 million, it being brand new would the bank let me get most of my money out (given all the numbers added up and it was fully leased)? If so does it work the same as residential?

3. Can i get the money upfront to build it instead? How? 

4. Lets say I am interested in an already existing complex, and I think  I can install some new utilities of sorts that will end up saving a lot (charge parking, washing, etc), thus increasing its worth.  But how can I see the current owners numbers?

More questions will flow but this is all i have for the night as I must rest.  Have a good Sunday everyone!