Bar none, the best commercial financing on multi's is Freddie Mac & Fannie Mae small balance loans. 1 - 6 million loan amounts.

And expect that tenants who aren't paying for heat will crank it up to 80+ and crack the windows if left to their own devices.

In fact, its very likely that any loan originated by a bank will be quickly sold to Fannie Mae or Freddie Mac.

@John Moon yeah, 2 main types of loans for what you described:Fannie Mae/Freddie Mac loans - these are "conforming, conventional" loans. 

@Brad Miller by square reader you mean the small devices that connect to an OS device (IPAD or IPHONE) ?

They are trained to fit you into the Fannie Mae/Freddie Mac boxes.

IE a little thingee that will light up on their dash that says a payment is due and if the payment is not made the car is disabled.. and of course GPS tracking so they can take the car back..When I first heard about the starter interrupt device for auto lenders I thought - that sounds like a whole lot easier than foreclosing on real estate! 

For a fully stabilized property with a loan amount of 800-1,000,000 up to 6 million, then Freddie Mac or Fannie Mae small balance commercial loan is the best terms you could ever hope to get.

@Nick Montelli The ratio's allowed on a conventional - Fannie Mae or Freddie Mac are 50% of your gross income.

Nathan;Assume by conventional you are referring to bank financing.The short answer is there is one answer, for example it may depend on Location of the property (state and MSA)if the investor has a green card or investor visa Property value and loan. loans over a $1,000,000  are easier to secure loans i.e. bank, Freddie Mac, etc..