best practice is to go to mortgage banker or broker, and say what it is you want to buy exactly, and if you intend to owner occupy.  

@Kathleen Frankovich Ask your banker for a letter showing that you are pre-qualified for the loan.  

Here is a quote from the book "The Banker Code" It will help you @Christopher Oliverand Jeff Beardunderstand what I mean. 

A community banker will like the idea of lending money to a good citizen, a person with strong ties to the local community, and will help to make the case for you when your loan request goes to underwriting.

I spoke to my banker and he is also looking into me 'pledging' (I understand that as 'putting a lien on') other assets, one being the cash value of a Universal Life Insurance policy.

You need to have a solid understanding of underwriting, assemble the right team (PM, CRE attorney, brokers, bankers, etc), be good at capital raising (which will be no easy task since you haven't done this before), have a strong personal financial statement to qualify for the loan, and finally, have enough of your own capital invested (at least in the first few deals) to convince others you have skin in the game.

Us former bankers need to stick together.

Do they say that about Bankers, Grocery Store Owners, Doctors (well maybe doctors..bad example) plumbers, etc?

Lots of local business people work there.Talk to local bankers.

Guys hiI want to take credit line from my bank(chase)just spoke with my business banker and she said that i can count on 10%-15% APR.I am looking to get 30K credit line.How do the interest and payments calculated?