I could refi out to a tradition bank and keep it as a hold. 

There are quite a few individuals and companies that have attempted these at some scale, and traditional construction beats them out on cost all things considered.

@Brittany RogersonYes, you would want to work with a fee based or fee only financial/wealth advisor both have advantages over a traditional advisor. 

Some lenders specialize in working with investors and may be more flexible with credit score requirements for multi-family properties.If traditional lenders are unwilling to approve your loan due to your credit score, consider alternative financing options, such as working with private lenders, seeking seller financing arrangements, or partnering with other investors.

It has some of the same guidelines that DSCR for residential properties for 1-4 units, but it also has some similarities to a commercial transaction, one of them being a lower loan to value.So what's the difference between a DSCR loan for 5 - 8 units and a Traditional Commercial Loan?

Much easier than a traditional loan.

@Christian RodriguezHow old is your mother?

If you're going with a traditional HML, your lack of experience is going to cause some out of pocket expenses for you.

We purchased it the traditional way by going through an agent, we viewed some houses on our second trip out there and ended up picking one and going for it.

With the resources we have, we can provide benefits that are often hard to come by in traditional on-market real estate transactions.