Given your need to avoid personal guarantees and collateral, consider the following institutions:KeyBank: Headquartered in Cleveland, KeyBank offers a range of commercial banking services and has experience with international clients.

Even being a premier client of title company IE 20 mil plus of bizz a year ..

Constructing new homes and selling them is extremely difficult and challenging.

I was hoping to pick some brains.I have a client who is a partner with two others in a commercial building.

Eventually, you'll find a problem that is not that difficult to solve (but kept other buyers away or forced the property to fall out of contract a time or two).You also have to know what a deal looks like.

Sometimes we get calls like this from clients and it's a blessing, lol. 

More of my clients want the 4 unit.

I have a lot of clients doing that and it's working out well for them. 

Further, you'll need to ensure you get the proper insurance, and that has been more and more difficult in recent years.

*This post does not create an attorney-client or CPA-client relationship.