Given your need to avoid personal guarantees and collateral, consider the following institutions:KeyBank: Headquartered in Cleveland, KeyBank offers a range of commercial banking services and has experience with international clients.

What about legality and insurance. if using a single family home wont the town shut you down (especially if neighbors complain) also will i need a commercial insurance policy?

On commercial loans, it is not uncommon to see 25 year terms or balloons in 5-10 years.  

My current job is in construction but not home construction commercial construction, but it still doesn’t really give me the know how to understand home renovation and things of the like.

She is President of American DataSearch. https://www.americandatasearch.com/Tenant ScreeningThis screening provides you with all the pertinent information you need to make informed decisions about your residential or commercial tenants.

I have a unique property, it's a 4 bedroom home with a lower level having a few small commercial offices and then there's a 22x35 oversized garage. 

If you are in UNY, you can see if you can get a commercial loan through M & T Bank. 

They are however good at 20-25% down commercial portfolio loans if you need a creative solution so it depends on what your intended use is, your preference is, are you trying to get maximum leverage aka lowest down payment or is rate or cost your main preference? 

Negotiated $198,000 in seller financing through a Promissory Note, pulled a $99,000 commercial loan with a 5 year balloon, and contributed $33,000 as a down payment.

You will start out as an individual investor and then as you scale become a commercial investor.