@Peter Kim I've been getting great results from my Lending Partner Brian Sciutto of Pure Mortgage - puremortgage.mobi/get/G5j5/ they work to find the best possible solutions to each individual or family situation. 

The only challenge is replacing batteries, but I schedule it for once a year along with my smoke detectors. 

Obviously its pure speculation but I bet there will be some tight markets compounded by the deep pockets of the companies who will need to get people into their refineries and chemical plants. 

From a pure cash flow stand point, if the only difference in the loans in the amortization then, the longer loan will have a lower payment and higher cash flow.Typically on 4 units and less investors will try to secure a residential loan over a commercial loan. 

I don't have that experience; so, take my feedback with a grain of salt and I will take a stab at it purely from a business sense.You are going to have to decide what is more important to you (1) separating or (2) keeping your dry powder.  

Hi BP, I'm looking to charge my motivational battery and was looking for any investors who has closed 5 deals or more.

Some owner occupy and some are purely investing.

Home Depot now sells Smoke Detectors with 10 year internal batteries that can't be changed.  

Focus on 3 or 4-unit properties, duplexes are hard to make work as pure investment properties.

Your answer is not purely a real estate question.