They are bought either with SHORT term high interest (hard money) type loans or purchased in cash.

Over a 25 year time frame the combination of the location and the house will grow faster than other properties, due to location/location. 

To access your home equity without selling, you can explore options like a home equity loan, a line of credit (HELOC), or a cash-out refinance.

The builders lender was pressuring them and would not give them new loans until these were retired..

Quote from @Caleb Brown: Is the property worth the higher price to pay off the loans?

I’ve hit my financial goal and can quit buying houses. 2025 goal: pay off my last two 401k loans I used to buy a couple houses and enjoy a second home we just bought for ourselves in November.

The hard money loan interest rates scared me, renovations were going to go over, ARVs probably overestimated, got out of it.

I would say the same for employees who need say a second advance on their wages (we allow one).I am willing to make a personal loan if an employee really needs it and you could consider doing it that way with a tenant in need.

Questions:- Commercial Loan - what are the best terms to target?

Real estate loans are taxed as you pay down the principle, not when you borrow the money.