I have 6 apartment complexes and 7 single family there. 

I was unnecessarily and not very clearly drawing a distinction between 1-4 unit Single Family Dwelling vs. 5+unit "multi-family" financing.  

I found that if you could consistently pass those every single time, you should be good on the test.

Our lots also represent 8 of the 12 such lots that are zoned for short-term rental within the larger single family home subdivision.

You must therefore make sure that every single one of their "boxes” is checked in order for you to be considered worthy of obtaining financing from them.

These include, but are not limited to: residentially zoned land and house lots; three family homes; apartments and tenement houses; multi-family dwellings and housing developments; publicly assisted housing; and, single and two family residences intended for sale.All commercial space, for sale or for rent, and all land intended to be put to commercial use are covered by M.G.L. c. 151B, s. 4.(4) Property Not Covered By M.G.L. c. 151B, s. 4.

I'm north of Boston in Massachusetts which is a very competitive market, and am open to single families, multis, or condos that I can rent for more than the mortgage for a 15 year loan.

.• Now, spend 1-3 hours and call every single one of the accountants.

Also is there a method of extracting the equity from both properties in a single transaction?

What is the single most important thing you did starting out in commercial RE that changed the course of your business forever?