Thank you @Chris  Levarek

Hey Chris,Yeah, it's going to vary pretty widely by group, and even internally within a lender their programs will vary based on the committed square footage that is committed to residential v. commercial.You will also likely find variance depending on where the property is located and the active tenant situation.

Quote from @Chris Seveney: AgreePeople are paying money to learn to overpay for real estate, put little to no money down and have no reserves and think it’s all goodSimilar thing happened in the multifamily space with a certain guru teaching people to buy Mf and raise $ and how did that work at for those newbies?

Quote from @Chris Yager: @Travis Biziorek how much did you pay for the duplex example?

Hey @Michael Italia - We started using some chat GPT similar to @Chris Seveney. 

@Chris Mason might be able to help some. 

Hi Chris, You can look into DSCR loans for investment properties. 

Hi Chris,You most likely would end up having to use a DSCR cash out.

@Chris Seveney appreciate the perspective!

Here are a few that I know can help:Wright Finlay&Zac Michelle Rodriguez can help your friend.Geraci Law Firm Melissa Martorella runs the lending docs team and can help your friend.Doss Law Your friend can ask for Chris Donovan.For what it’s worth, notes do not get notarized.