I came across the opportunity to buy a mixed-use commercial property but I wasn’t prepared and not sure how to navigate the commercial process since the owner isn’t willing to seller finance, and I just recently bought a primary home in November so I can’t get any type of owner occupied loan.

Looking for rehab loans How did you find this deal and how did you negotiate it?

Thanks  For a conventional loan difference between closing within 6 months and after is the amount you can borrow.

Can you qualify for a loan?

He qualified and holds the loan.

There you will be asked your criteria and then after answering a few questions you will be matched with 3-5 agents or loan officers in your area.

For example, an owner headed to foreclosure might sell you a property "Subject-To" where you take over their loan at a LOW LOW rate which changes the math a LOT when analyzing a deal!

I bought the properties from another local investor and would like to get a hard money loan for the rehab. 

Hey mate,Future predictions are solid for real estate IMO over the coming years.Lot's of pent up demand waiting for the Fed.Many folks with locked in low interest rates aren't selling, and many wannabe buyers can't get the desired loan amounts due to high interest rates.So we are in a stale mate for now.If Fed loosens grip 3rd or 4th quarter, I feel the flood gates might open and activity starts again.I don't believe the market will decline if interest rates are cut, quite on the contrary.Micro market trends are very different to macro.Online stats/demographics don't reveal what happens from a micro market standpoint.I could give countless examples of zip codes in Ohio experiencing population growth, gentrification and appreciation.The overall population might be declining but again, on a micro level some pockets are booming.Thanks and much success

The owner financed position is a potentially zero interest loan that should be considered.Another quick note: consider leasing his land with an option agreement as well.