.$4300 in origination fees on $283k is 1.5% for a commercial loan - sounds about right, maybe a bit high. 1% is mostly the norm.

They may be getting out of your market, or the commercial rental market, or duplexes, or just don't like your track record.

If you ever need help finding commercial or residential properties, don't hesitate to reach out!

Zoned 401-commercial. .353 acre lot7 0f 8 units updates in past 7 years. unit 8 in good condition long term(13 year tenant). all 1 bed/1bath. fully occupied. 4 units on 1st floor, 4 units on 2nd. just had the parking lot repaved spring 24', good drainage.

@Tyler Kesling Two separate loans will most likely give you better terms than one commercial loan.

Should I look into commercials or lots or business's or syndications?

Most likely investment residential or commercial real estate.

Thanks for your suggestions.I got only commercial real estate, but I need residential properties.Is any source for property appraiser for Canada.Thanks,Neelam

If so, why not partner with someone else that can help you fund the deal, either 100% or have your money partner fund 20% and a commercial bank fund 80% then flip it and split the profits w/ your money partner at whatever split you all think is most fair? 

NOT a big bank they will say no.. my community bank has done these for me for years and the  rates are ( for me at least) basically maybe 1 point over what they do for MF or other commercial loans.. its a relationship transaction I have found.