Then refi into conventional or commercial loans, probably need a mix of lenders.

How do I find a commercial multifamily loan that is willing to lend less than $1M?

In our case we tripled our deal flow when we started a program of direct email to mortgage brokers, real estate brokers, and real estate investors who could bring us either mortgage notes for sale or new loan opportunities for loans not qualifying for commercial financing.  

Quote from @Chirdeep Bhutani: Maybe a very basic question, but I have been reading for a while that it's a good time to get into Commercial real estate because you are getting better cap rates now.

Commercial loan How did you add value to the deal?

To do Airbnb, you would have to furnish to the nines and add tons of amenities so it is group accessible.

It would enable me to access the equity in my home whenever needed, allowing me to take out a smaller amount, such as enough for a down payment on another home. 

I suspect you spoke to bank employees who weren’t in their commercial lending division and didn’t understand your borrowing request. 

The under writing doesn't carry for a 1.25 DSCR which (at the moment) is the golden rule for banks and commercial hard money lenders. 

It’s more expensive than PropStream, but the data quality is higher.For ARV calculations, if you don’t have access to the MLS, our Backflip App can provide it (it's good).