small commerical bank:make appointment with loan officer  many times there is only one or two .be prepared with 2 years tax returns . copy of your bank accounts showing you will be a good depositor in the bank50 to 100k is a good start. small community banks NEED deposits this will be a big trigger for them. then maybe a quick bio on your experience. 

On 5 or more units, it’s considered a commerical loan and the borrowers Debt to Income ratio is largely irrelevant.

Is this a commerical property? 

I'm a guy looking at commerical multifamily deals.

Hi @Travis Frenchak are you looking for Residential or Commerical?

Has anyone ever heard of a Commercial Hard Money Rehab Loan that is based on ARV. From my experience most of the rehab lenders only do SFR.

Nationwide, Ohio and NY.

I stand by my advice as a place to start for a NEW capital raiser NOT for a hot shot big time developer like you.People wanting to get into commerical real estate need to network and educate themselves and they can BUILD their network as they go.One of the best things about public forums is people often identify themselves as lacking in judgement and character.

If you're buying smaller multifamily that isn't considered commerical then consider doing some work that will make the property appraise as high as other comparable sales in the area.

I work for a commerical/industrial developer/GC, very different market form the homebuilder/203k remodeler.  203K contractors are hard to find so I through out the few I knew to help in the search.

Pinnacle Bank, First Bank (which I know you mentioned), and Tennessee Valley Federal Credit Union have commerical lines of credit and business lines of credit you could buy with.