It depends on the property and location to know what programs are available to you.You can get 30-year terms, though the fixed rate period will generally be 10-years or less.While lenders are focused on the primary source of repayment--the property cash flows--most still care about the sponsor's liquidity and net worth.

It includes all major assets & liabs, inc some pers prop that has value (or is individually insured) & I would consider selling to fund new found opportunities or if there was a major emergency requiring a change in budgeting/liquidity.My PBS is currently three pages long, broken into sections w/ sub totals to assist in analysis:AssetsReal Prop (Assessed, Purchase/Rent data, 2-3 free online providers like Redfin, then averaged.)Personal Property (Cars, Art, Hard Assets, things not in an account or "foggy" daily market value)Cash Accounts (ie funds w/ access not limited by age, Banks, Brokerages, CVLI, prepaid taxes,large pending incomes like insurance settlements & reimbursements owed to me.)MineSpouseCo-AccountsRetirement Accounts (or anything where access to the value is age restricted)MineSpouseBusiness 1 (Net number carried over from separate business records)Business 2 (List as needed)Liabilities (Would section these out too if I had enough to justify it)Listed in order of assets above if tied to such, mortgages, HELOC, etc.General liabilities listed next, largest to smallest.Net Worth CalculationThen I include several lines of totals; subtotal of amount available for conversion to REI, ratios & simple measures like mo / mo & trailing 12 mo avg % & $ return.My FI goal is over the long term to average at least 1% mo / mo gain in net worth.I have found this to be best for me for several reasons:I have a hard time visualizing a set $ amount as a goal because my amount required to retire would then seem too big to tackle.

There are three 4 plexes available near me.

I like the ready to assemble cabinets available today.

There are all types of long term loan products available for commercial properties. 

Brandon Turner complied a list of some of the best REI books available.

Avail is a good one.

Both books are available through the BP store... and I promise I am not associate with the company. 

Also, be aware of the accountants that try to not do the best option available to you when they are new and hesitant to do the work.

I expect a clean place, correctly represented, with the owner available by phone, or text should there be a problem.