If you go over four units, you're in commercial financing territory and there are no 30 year fixed loans in that space.  

None of us can successfully forecast the future but smart money is leaning towards the housing market is inflated and even approaching the "bubble" territory.  

I mean, it comes with the territory when you've worked in Real Estate for over 30 years.

My concern is someone familiar with the territory might just give me a guesstimate based on when the property last traded Plus or minus any appreciation.

. - it's our first so pretty scary being in uncharted territory.

But they all have different criteria when it comes to things such as: seasoning, dscr, territory, LTV, min. property value, etc.A detailed snapshot of the deal would be needed to properly place the loan. 

For the rest of my real estate I'm in LLCs but for this one we want to get a personal loan, together, so this is new territory for us. 

From what I know some PM companies will not service these properties, rents are so low that even a 15% PM fee will not cover for basically twice the work and all the issues that come with that territory.

Knowing the territory and developing relationships are essential to finding investment opportunities.

It's a given that extra headaches come with the territory.