For commercial residential bank loans

The bet offer we can find through a bank is 30 years at 4% interest with 25% down.

My team has the resume and equity to acquire bank loans and hard money, and the only thing standing in our way is lack of knowledge and experience.

Went to a local savings bank in CT and gave me a Commercial Loan under LLC @ 20% down for 20 years at 4.25%.

Banks can usually lock a rate for 60-90 days for fixed-rate loan products, but can create other issues for borrowers by requiring depository relationships and ongoing covenants for property performance. 

The local bank you spoke to is not the only bank.  

Since it is your primary residence, I would go talk with your local bank about the different types of construction loans so you end up with a long term fixed rate financing.

Banks want to get rid of their stuff at the end of the year. 

The bank that I usually finance with dragged its feet on approval through the due diligence period.

Or maybe even why not just use a loan to buy the properties and keep your money in the bank to use for whatever the purpose is?