Commercial Loans - are these easier than conventional???

[Caleb Reits]

Hi everyone! We are currently running into a financing issue. I work on contract and my boyfriend is 1099 so we're having a hard time getting our hands on a mortgage. We've been debating back and forth about how we were going to do this: private money, hard money, OR we would just buy something on a larger scale, 5+ units and get the commercial loan. In our situation would it be easier to get the commercial when it looks at the property vs. the conventional that looks at our income?