Small Business Administration (SBA) offers 7(a) loans to small businesses for a variety of purposes, including purchasing owner-occupied commercial real estate, refinancing existing debt, or financing equipment.

fix and Commercial lenders will not lend money for owner occupied.

Since it’s non owner occupied lesser restrictions that would work except as we have seen so many of these folks are doing this and paying retail or above.. there is no equity !

We actually keep marketing your property and accepting back up applicants until yourproperty is actually occupied.

A VA loan could be used to purchase a 1-4 unit property as long as you would occupy the the property.  

Do you plan on occupying the property with the hard money loan on it ?

@Mike Adams, a few comments:a) I think that the home not being occupied is a reasonable assumption.

If one of the units you will occupy is larger in GLA/bed/bath count its okay or if its closer to work or school.

Its a little much than typical DSCR lenders but there have been reports of an uptick in mortgage fraud (fake leases, occupying a property attested to be an investment property) so this kind of thing is popping up a bit more

But some loans require that the property be occupied by the borrower for the first year.