Again, this is with commercial/investment property; owner occupied or consumer loans may have legal issues rendering this technique non applicable.  

Hi there,I own a handful of longterm rental properties in Chicago and have sat on an HOA Board for many years. After years and years of being frustrated by how tough it is to find honest, communicative contractors, I ...

I was told that some commercial insurance companies are able to provide umbrella policies without auto policy and primary residence.

I'm in the same boat for reference- I bought into the "buy now, refi later" idea and am sitting on a 7.375% on my latest property acquisition and a commercial line of credit I have is at prime + 1 (so 8.5%).

Another one I wish I had taken earlier was to get involved with a boutique or specialized commercial broker. 

., residential vs. commercial. 

If that's what you're really after I would start with the basics of what kind of bank loans either residential or commercial are available to you - not saying this is the best option, but it's a good place to start.

I don't know anything about commercial or apartments so I can't really help you there.

Commercial buildings use triple net , and those costs get passed on to the tenants thru CAM fees . 

You lock in your interest rate and if rates drop you can prepay at any time and refinance at a lower rate without penalty.If the deal is commercial, whether commercial multifamily (5+ units), office, industrial, self storage, hotel, you name it...the choice becomes far more difficult.