Financing options for my investment property

[Mohan Dag]

It is my first investment property purchase contract for a duplex. I am looking for my options for financing for better cash flow per month. The property is worth 110k and I am willing to put down 20%. I have 800+ credit score and no debts. Since I recently switched jobs from fulltime to contracting, I am not qualified for a conventional loan with any big banks. As for commercial loan, I am getting 15yr amort with 7yr balloon at 7%. Are there any other options for me to get better rates to increase my cash flow?