I would definitely recommend checking out Brandon Turner's books on multifamily investing: https://store.biggerpockets.com/products/the-multifamily-mil...https://store.biggerpockets.com/products/the-multifamily-mil...

I have learned from this experience and ensured clear communication for any future changes.Despite these past mistakes, I have maintained a stable and productive life.

You will literally never get a good product from guys like this.Second -  Never, never. never let the Contractor get ahead of you in the progress payments.

DSCR 1 ratio will get you best terms depending on your credit and LTV for many lenders who specialize in DSCR loan products which in many cases isn't banks or credit unions as they don't feel as comfortable with the products as conventional loan products. 

Steadily doesn't have a proprietary umbrella product.  

I will note that some of the information on here will be different for you especially when it comes to loan products and requirements so that is something to keep in mind. 

If the plan is to stay with a commercial loan, the construction finance and permanent loan can be one product, with typically a 12 month interest only period during construction, then rolling into a principle and interest payment afterwards. 

Gotta give a 1 up to @Evan Polaski here, the idea that commercial loans and products in general have a ton to do with borrower risk and lender relationships is a big variable. 

Any conventional loan products for property in a flood zone (not sure what flood zone 9 is) requires flood insurance, which can be very expensive, and rates have been rising each year. 

Solving a problem for the seller and bringing a product to the buyer How did you find this deal and how did you negotiate it?