Commercial Lender Recommendations for 4-unit

[Steve Q.]

Can anyone recommend a commercial lender offering 20-30 year fixed rate at 3-4% for a 4-unit investment property? I've heard stories of it, but can't find one so far. 

More info:

I have a great 4-unit building with a mortgage at 5.8% - 30 year fixed. I'd love to get it refinanced down towards 3% but I can't get a residential loan right now because my industry is furloughed due to Covid. (I work in live events.) So my debt to income ratio is currently terrible. So I need a commercial lender to just look at the property and not my tax returns.

The building is in great shape, cash flowing, fully leased, estimated equity of 25%-30%, I have healthy cash reserves, and a 780 credit score. I could increase my cash flow $500 a month if I could find a lender. I plan to hold it for a long time, so not looking for any 5 or 10 year balloons. I've reached out to some local commercial lenders and get unattractive quotes like 5.6% with 3 points.

Feel free to private message me if you have a lead that you don't want to share publicly. Thank you for any help!