If you aren't going to be living in CR full time as you try to execute the deal I do not think it is physically possible for you to obtain a loan from Scotia Bank and not worth your time to try because the rates are so high. 

New loan is a 10/30.

My biggest road block right now is finding a PM company.

I wouldn’t want to hold the loan for too long, so ideally it would be a 5 year term, presumably ballon payment at the end.

The utility company missed an appointment and no communication from them or action to even reschedule.

Are there any wholesale lenders that will do a rate and term refi on 4,800,000 loan balance,  5 unit property.

Yes there are alternatives for both beige and 30 year loans for no US borrowers.

Quote from @Aaron Wolman: I would call the companies (gas/water/electric) to get estimates, or an estimator out there.

It’s a lower risk strategy since you’ll be living in one of the units, and you’ll qualify for low down payment loans.

You can purchase them through a local dealer that has a good track record in the community.At this time our cleaners take care of the hot tub, but I will say if you have a certified hot tub company that can come weekly, I would definitely go that route!