You need to be careful as "cold calling" has been grouped into a common understanding that rarely works of them just screaming as fast and as loud at the highest volume of people and that does not work anymore. 

Chase for investment properties it's common, the lower the LTV the higher the rate. 

As I'm sure you know, asset-based underwriting is much more common for a commercial loan, minimum building size 5 units. 

If you are making deductions due to common areas then all should see he deductions evenly.

Common SenseYou have nothing to lose by having an inspection, and everything to gain.

Wholesalers commonly enter into a purchase contract with the intention of reselling the property.

In my experience, it's fairly common to find value-add triplexes and quadplexes.- I wasn't aware of agency debt for larger properties.

Keep in mind that many lenders require a seasoning period (the most common period is 3-6 months). 

@William Merone common structures are 80/20 - 70/30 (investor/sponsor) splits with 6-8% preferred returns for investors (investors have to make this annual return before profits are shared with the sponsor.

Know what's the common practice for the area you're buying in.