From a pure cash flow stand point, if the only difference in the loans in the amortization then, the longer loan will have a lower payment and higher cash flow.Typically on 4 units and less investors will try to secure a residential loan over a commercial loan. 

I don't have that experience; so, take my feedback with a grain of salt and I will take a stab at it purely from a business sense.You are going to have to decide what is more important to you (1) separating or (2) keeping your dry powder.  

I don't blame people they simply don't know what they don't know when they start out and then they drink the cool aid..

Some owner occupy and some are purely investing.

We can grab a drink or some food and just introduce ourselves to one another. 

@Dave Visaya Better I visit you and we hang out on the beach with cold drinks!

We can hit up @Kyle Bryant for some free drinks.

Focus on 3 or 4-unit properties, duplexes are hard to make work as pure investment properties.

Your answer is not purely a real estate question.

I realized getting started is like drinking water out of a fire hose.