Loan approval with high interest

[Timothy Carey]

When running the numbers on a an investment property the interest rate is obviously a factor as to how well the property will cash flow. If I house hack (which I have) I can qualify for a residential loan with a lower interest rate (say 2.8% today). However on a commercial loan the rates will be closer to 5%. Here’s my question;

If I make an offer contingent solely upon financing and the offer is accepted I am now liable to pay the earnest money deposit.  Say the offer gets accepting and the bank offers me financing at an unexpectedly high rate (say 6.5%). Now I am on the hook since the financing was approved, but given the high interest rate the cash flow may be far lower making the deal not worth doing. Is there any way to get exact figures on interest rates prior to approval?