Commercial loans interest rates and down payment %

[Hunter Purnell]

I'm looking at possibly doing a 1031 on some land I'm selling. I'm either looking for a nice home for Airbnb or I'm more likely going to find a multi-family for long-term rental. I had some interest in a 5-plex. It seems like about 1/2 of my local banks don't want to do commercial loans. Once you go over a 4-plex its a commercial loan, but due to the amount I will likely be buying a 5-plex or larger in my market. I have a few questions regarding commercial loans, I was hoping to get some input. The purchase price will likely be 6-800k. So far, the best options have been 15 year fixed 4-5% or a 5/5 balloon matures in 10 years amortized over 25 years 3.75%-4.75%. 20% down on both. 

What is the standard minimum down payment?

Is it possible to get a 20, 25, or 30 year fixed rate?

What kind of rates are you getting?

Is the loan based on the rental income of the purchase property? Does my personal income have a large input in getting approved?