Multi-family financing

[Brenda Whittaker]

In the process of analyzing a 4-plex, according to the Bigger Pockets guide to analyzing deals.   How can I factor in financing costs if I dont have financing set up and to set up financing, can someone without personal credentials get a 4-plex financed and if so, what is the average cost, as in % rate and closing costs >?  Just for educations' sake.  I need to know what numbers to put into my practice analysis, though it is on an actual 4-plex for sale that I would love to get in to.  And who generally finances small complex's, private?  Conventional?  Commercial lenders?  Thanks for your thoughts, everyone.