The builder suggested a local bank that they use and would like to see them succeed and referred me to the commercial lending department.

If you want to own a rental, buy one thats a 10 cap or higher with 20% down through commercial financing with a big bank.

I disagree, I had a time when my name and the name on the insurance didn't match and the lender was all over it, regardless of the on-time payments.Your best bet is to refi into a commercial loan that allows the LLC (if you've already purchased the property), or close directly with a commercial loan / DSCR loan.

I’m really interested in commercial RE, rental properties, flipping, investment, and possibly wholesale.

For example, if you’re investing in residential properties on the southwest side of town, eliminate property managers focused on commercial properties or other areas.Research CandidatesSearch Engines: Be cautious—Google rankings often reflect marketing, not quality.Yelp Reviews: Read reviews critically; tenants, not property owners, typically write them.

Their promise to package your properties into a commercial loan after reaching 5 properties could free up your DTI and provide a line of credit for scaling.Consider delaying aggressive HELOC repayment to preserve cash for new purchases, and explore portfolio loans or DSCR loans as alternatives.

I see a fixed rate product advertised here on BP but not a HELOC type of product, where you can draw and repay on commercial property.With the DSCR loans, the lender requirements will change from lender to lender.  

I’m a Colorado commercial insurance broker and have a lot of carriers available in my agency.  

@Stephen SmithReno's multifamily/commercial market faces challenges like limited inventory, high demand, and high entry costs.

In my case, I have residential rentals in one LLC, commercial properties in another, self storage in a third, and my real estate company operates in a fourth.