@Nicole Heasley  If you're looking for a lender for a 6 unit complex, I would bypass this guy and just reach to smaller local banks in your area, and look for the commercial lending department. 

If a property that is worth 5.3 million today at 6% cap approximately, can be bought at 5% interest rate; if the same property I could get at 4.3 millions in 2 years if the market falls, then interest rate possible at 6-7%, my cash on cash may be better but still not significantly better due to the higher interest rate, plus opportunity costs of sitting on capital for 2 years (1.3 million investment earning 1% bank interest instead of 7% COC if invested, loss of tax break depreciation, total loss may equal 200k loss in profit), plus increase in the rents and some value add could increase the cap from current 6 to 6.7 or so in 2 years.Unless, I find another source that can give me a COC of 7%, sitting on cash for 1.5-2 yrs for market to correct may itself be a loss.

go talk to a local bank and see what they say

I've yet to not have to replace one except in 1 property that the bank put in thinking they were making it livable and able to put it on the market.

85/15 traditional 15-year loan with local bank How did you add value to the deal?

Small local banks .

Some owners want a higher interest rate than the banks will charge, some match the banks, and others will take a low interest rate.How long will you amortize the loan?

I have looked into lot links as well as the Montgomery county land bank foreclosure acquisition program.

Absolutely, but few banks will loan on a park with no infill plan so that moves your capital from the development side to the MH acquisitions side. 

I made an offer on a house and because I am doing 50% financing, the owner offered to lend the other half himself and be paid over the next 30 years, at an interest rate lower than what the bank is offering (albeit, not much lower).