2-3 unit buildings in commercial loan

[Daniel C.]

Hypothetical financing question for the group. I’m not looking for lenders, just looking to unpack this scenario.

Assuming they are both achievable, is there currently merit in holding 5 duplexes and triplexes in a single commercial portfolio loan, rather than 5 individual residential “portfolio” loans? I’m asking mostly regarding current terms, and not looking to get into legal protection angles.

Residential financing when it comes to small multis is never as amazing as all the headlines would have you believe, and I’m also eager to hear if your answers differ based on 2-3 units in commercial loans as opposed to 5+.

I’m very familiar with residential, but not so much commercial.

Thanks!