But since there is a limit to how much money the bank has access to....their rate will be higher...and usually a shorter term.

HMLs are a lot shorter and less forgiving

That said, my shorter term goal is to analyze as many deals as possible over the next 3 months so I can stay sharp and develop a better feel for values in the neighborhoods I am interested in. 

The bigger you get the bigger risk, but also the bigger (shorter) term rewards. 

William A,You might consider shorter term lending if you know you will be selling the property in a short term hold. 

Go above 2 million loan on multifamily and you can start getting away from local banks and land non-recourse loans through other commercial lenders.If above 4 units but below 2 million in loan balance then pretty much most options will be local banks wanting full unlimited recourse against you and the loan will be  a shorter term of about 5 years with  a 20 to 25 year amort.The investors I have talked to in the past have said New York is a very tenant friendly state and it takes them months and months or longer to turn over units before the tenant is evicted.The broker is using 1,272,830 as the number for gross income.

These will have higher interest rates, shorter terms, and may be ARMs or have balloons.  

Is a 1-month time-frame the sweet spot, or something longer/shorter?

Shorter time frame, easier to get an addition permit than a demo one.  

This is a good opportunity for someone who is looking for a good return for a shorter term.