. :)I think it comes down to four things -- proximity to Center City, tracking pricing over time, tracking building permits, and tracking inventory/rents.

Has anyone done a line of credit on a commercial multifamily 5 plex?

If you had 20k in your pocket and credit over 700, where would you put that money? 

Once you have a track record the private money will come from your extended circle and people you meet at your local REIA meetings.  

I use Cozy for background and credit checks, I take the cost off the first months rent if they are approved. 

I have 250K on a line of credit with interest at an Annual Percentage rate of 5% that I can utilize.

. $1000 on a roof from a reputable company vs tracking down some one if things go wrong... not something I would want to spend time/energy/money on.  

It appears we are at the top of a credit cycle.

@Steven LewisI'd just use excel for tracking all expenses and income related to that property.For getting paid, you could use PayPal to make payment requests.You could set reminders in your phone to remind you to send out those reminders. 

I have excellent credit rating and available funds for a 20-25% down payment.