Your not going to get 4% on a commercial loan, maybe around 6% if your really lucky.What the bank told you was your credit score was too low and your DTI was too high,,,now that the properties are leased you can make a big change in your calculated DTI, but that score is going to hurt you.Talk to a good mortgage broker, they can usually help you figure out what you need to do to your credit, or refer you to a professional they know.I study credit, I know how important it is to my investing and recommend investors learn more about credit.

Only recently have I fulled delved into my studies and feel confident enough to go out and purchase my first home.

While all markets are different these trends generally hold to some degree.So, I'd say that national trends of markets is pretty useless to spend time on trying to study them as they don't filter through to your local market and if there is an impact, it's a very long movement for any noticeable effect. :)

That transaction was very exciting and profitable.For years I've been studying the NYC and surrounding NY/NJ markets purely out of curiosity to learn more.

Case study: The year is 1999 and you an SFR investor.

I discovered that from another mentor, Jay Abraham, nearly 20 years ago.

I've been studying some REIT's business models lately and noticed the term triple net lease.

I am reading, studying the market, watching interest rates, basically doing everything I possibly can to get started in this, but I feel like I am spinning my wheels.

@Benjamin Bochman you may have heard and understood the logic in:An Ounce of Prevention is worth a Pound of Cure.Well I think:An Ounce of Doing is worth Ten Pounds of Studying!

You might enjoy it: How to Buy a Small MultiFamily Property: A Step by Step Case Study