i guess it depends on your strategy.  

So I guess it depends on what your budget allows.  

Does it depend on the property?

You should be able to clean some of it up in months, not years, though it may be tough getting up to the 680 range, depending what your credit profile looks like over all.My investing group's credit expert is one of the top people in the country.

It depends on your goals.

I have investors who work in SBern...it all depends on the deal you are getting.

You normally take out either a 20 or 30 year amortizing mortgage depending on if it's a commercial or residential loan.  

Depending on the property, the rates are still off about 30%.

@Vincent ChenRefinancing can be a great option depending upon what your end goal truly is.

If you know how it has been dug and formed, you'll know that it all depends on the source, so saying that quartz is more durable than granite, in one area quartz is harder than granite, and on another location granite is harder than quartz, stone is stone, nothing special about it.