I would suggest talking to a commerical RE atty. then decide how to move forward. 

Find a commercial agent to work with - they can help you with pricing Just to clarify - commerical REI is not the same as SFH.

Local banks with commerical deperatments have a lot more wiggle room when it comes to DTI. 

Continue in my niche markets for new construction and commerical financing of quality operators.

I think if you are switching from slightly leveraged property to even more leveraged properties why don't you buy a NNN commerical property instead of 10 rent homes in the midwest.   

Are you working on any commercial deals right now?

Anyone working on any Commerical Properties in Rochester NY?

There's trees on the property and I giving it a buffer for any hidden expenses not accounted for.If I can get a commerical loan it would be 6-6.5% rate with 20% down. 

Nor I'm eligible for Commerical Loan since it's not a business entity that owns it.

Out of state residential deals without boots on the ground are incredibly risky, especially in the rust belt (where many people see incredible rates).So, either get boots on the ground or invest in higher quality assets, including large residential projects or commerical properties.