The DM (decision maker) is the best person to be in touch with then the next in line maybe the person now she is closest with.. 

Generally, your local, community, credit union will have best rates, local decisions and deep roots in the community. 

Also, there are more things to consider than max ROI.Most people start by picking a particular type/style of property that they like for some reason (usually a gut decision).

By the time 2025 rolls around, you’ll be well-prepared to make informed decisions.

I'm contemplating this decision because I'm not sure if it would be desirable for tenants to have an extra room instead just a loft area.

But ultimately, that's a decision you need to make with your attorney. 

You will likely make bad decisions because of that.

I made the decision to purchase a 6 unit building with those funds that will eventually cash flow $4200/month.

Be sure to really dig into it, talk to others in your market, and make an informed decision.

I heard that phrase a while back (I think it was a BP podcast) and it stuck with me.This has been a long time coming, but my wife & I finally worked ourselves to a position to make that decision.