Based on a 760+ FICO and 3 year PPP, mid 7s on a 30 or 40 year I/O product, low 7s on non-I/O.

They are business people.

I would prefer it to be my handyman but if my tenants have someone reputable, all I ask is for them to send me their business card.

You deduct it when you first started using it in your rental business, whichever year it happens to be. 

What are the benefits of 1 vs the other and when growing your business, which one is better? 

New to the Business, Appreciate Your Insights

All commercial loans will now have new covenants if borrowers do not provide timely personal financial statements, personal tax returns, business tax returns, rent rolls (if applicable) timely.Personal financial statements and rent rolls (if applicable) are due within 60 days of the expiration date of the personal financial statement.

for certain its just like any business under capitalized business fail at an alarming rate.

I don't say this because I'm a HML, but because I just don't like the risk/liability of holding a rental property in my own name.But again, I'm not in that business...Maybe someone who is can shed some light / give better advice...

These are Visio, LendingOne, @Timothy Hero as broker for a portfolio loan on 8 properties (if I remember the number of houses correctly) followed by a STR purchase, and I used Sortis for short term bridge financing on a property that was hit by hail while under the contract period so we had to switch to a different product until we fixed it up.