I do understand that the answer likely varies depending on location - this is in a very nice suburb of Philadelphia. 

For DSCR and other commercial options, it will vary by lender - there are literally thousands of them and they're all slightly different.

@AS Chow, Brandon is accurate with the top three largest, though there are a lot more sponsors that have varying DST portfolios.

Houston in particular be vary wary of flood zones and any potential historical water damage from the frequent flooding / hurricanes of just a few years ago. 

I also agree go the DSCR route and get a few quotes from people as you may find then to vary significantly - had one last week we were 1/2 percent lower than what they were getting quoted 

Sheriff lockouts vary by county—some require you to be there, others allow a representative.

For an SBA hotel loan, the SBA may guarantee say 30% of the loan and a traditional bank takes the next 50%...total LTV/LTC of 80%...will vary by business but it's higher/better than the previous replies (otherwise, you would just get a traditional commercial loan without the SBA involved). 

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

Some of that will vary on your exact location.

For a 1300 sqft home, architectural costs vary, but for a fair price, you’re probably looking at $3K-$8K, depending on complexity.