Commercial mortgages are really DSCR loans.

Freddie Mac only offers financing for single properties they do not offer 'Portfolio loans" meaning bundle them all into one loan.

Minimum loan size $1,000,000 [bare minimum].

My pre conceived notion was that 80 was sufficient @Tyler Garza With respect to DSCR loans, the LTV is only one factor that lenders consider when underwriting a loan.

Difficulty in getting a second loan?

If so, how many deals/loans do we need to do before I can expect more favorable terms?

Also, explore creative financing options like seller financing or private loans to reduce upfront capital needs.

Either way, the property will cash flow like crazy once my unit is rented.I have enough capital to get into a bigger property with low money down and am seriously considering a triplex or fourplex for the next one.Here’s the issue: My lender (local bank) says I need to be fully moved out and have a lease in place before they’ll proceed with my loan.

It also wouldn't make sense to refi into another Bridge unless he's at the end of his period on the loan!  

This would be in central Jersey which is still a hot market as a result of record low inventory.I am planning to do this strategy since I want to put low money down (10%) on a construction loan and achieve a quick build to lower my holding fees.