As they see their money is safe and you're succeeding with your plans, they'll usually ask to increase the amount of money they loan to you.

Geez, I'm just trying to get a second look at my math for the current situation.

started the interest rate at 8.5% and wrote in the contract that their interest rate will change anytime my bank loan's changes (every 5 years) and will always remain 2.5 interest points above...for what it's worth...i have another under contract that hopefully will close soon..i'd be interested in hearing about this wally wrap as well bryan...what was that?

Keep us posted on how that situation goes for you.

A bank will not give you the $ as you have to show ability to repay the loan. 

However, at closing, we did not take out the multi-million-dollar A&D Loan that would be required to purchase the property and construct the subdivision.

I have a great one in Kansas City for over 15 years that I've used multiple times (only auto loans however), but hoping to branch out locally as I begin my investor journey in Arizona. 

THe lender is a credit union and it is a conventional low rate loan.

If you have multifamily commercial loans, you will likely have to repay the loan in the near future instead of having the payments applied to the end of the loan. 

Unless it’s specified by your loan type or lender, you don’t have to.