I’ve hit my financial goal and can quit buying houses. 2025 goal: pay off my last two 401k loans I used to buy a couple houses and enjoy a second home we just bought for ourselves in November.

You could always get lucky and the bank may never call in your loan.

I would say the same for employees who need say a second advance on their wages (we allow one).I am willing to make a personal loan if an employee really needs it and you could consider doing it that way with a tenant in need.

I am pursuing Fannie Mae’s 5% Down Multifamily Loan.

Buy a 2-4 unit property with an FHA loan (3.5% down), live in one unit, and rent out the others.

Questions:- Commercial Loan - what are the best terms to target?

For example:If a wrote up a contract between myself and the LLC for a loan on said money and the LLC was sued and forced to sell the property.

Buy, even if you don't plan on staying in that 1st house in Cleveland permanently you can just use an FHA loan live there for a year and turn it into a rental afterwards.

Bankers will be asking for proof of this filing as you get loans in the future.https://fincen.gov/boi  

Further, the property may qualify for larger loans based on the increased cash flow ability to service debt.