AirBNB financing for 8-plex (commercial property)

[Robert Smith]

I'm considering purchasing an 8-plex which is currently long-term rentals. I'd want to convert some of the units to short-term rentals. Does anyone have tips for financing? Specifically, how it'll be to refinance it in the future after this change is made? I might be able to get seller carry with a 3-year balloon for the purchase but I'd want to be sure that I could get it cleanly refinanced before that balloon occurs! Also because it's an 8-plex, I'm stuck with commercial lending only.

I'm not sure how a bank would view the short-term rental income. Would they view it as more risky than long-term? It should generate more NOI overall, but obviously also has more seasonality and variance.