The process is the same that is used on commercial properties but it is advisable to have it completed by a commercial roofing company rather than a general roofer like Everseal. 

Roof, sewer lines, condition of commercial space, condition of apartment units, windows, HVAC system.Are storefronts occupied?  

Hi Christopher,These calculations are pretty standard on 1-4 Unit properties..Income/(Mortgage+Taxes+Insurance+HOA) = DSCR RatioHowever on commercial properties some lender may take into account vacancy, upkeep and other costs.

I only know of one local bank who will, and with them, it's a commercial line of credit floating at Prime + 2.5% (11% is the indexed rate) and it has to be renewed every 2 years, including a 24hr rest. 

While I might be new to this particular market, my roots in real estate run with a history of commercial real estate investments in India.Currently, I have my sights set on the Hartford market.

And essentially from what I understand in the NAR statment they just won't have a published Cobroker fee, it won't mean that buy-side commissions go away or down, it will meant that we will likely end up playing the game like we do in commercial.  

I am a general contractor who handles both residential and commercial remodeling. 

I thought of getting a commercial loan or getting a loan through an LLC.

Also, appraisals are valuations at a point in time, and commercial markets can change rapidly.  

Which of the two, SBA or commercial loan, offers the best terms?