Also, did you have any other loans (ie student loans, primary residence mortgage, etc) when you took on the $25k? 

Unlike a mortgage the interest on your loan will not be tax deductible.

I'm learning more about loans and such as I used the VA.

I have been helping investor close deals literally with less than $10,000 out of pocket using 100% Purchase/100% Rehab hard money loans to do BRRRRs.

Here’s some guidance to help with your next steps:Hard Money Loan: Hard money lenders can often cover both the purchase price and some rehab costs (up to 70-75% of the after-repair value or ARV).

The LTV of the loans I’d conservatively gauge at about 35 percent.

You've definitely come to the right place to find resources and connections.Here, you'll find several knowledgeable and experienced agents who can help guide you in securing the right property.

I concur with @Joe Davis and do the same with my company, however I refer other loan types outside of Transactional Funding loans to others.

Will he and potential buyer of the property be subject to Commercial financing or will the property still qualify for residential 4 unit and under loan types/primary?

Experience depends on who you deal with - the cleaner the loan file and more organized your paperwork the smoother the process with any private lender.