Commercial Lending vs Conventional

[AL Brown]

When dealing with 5plex and up the banks now look at the NOI and cap rates. My question is when applying for a loan for a multi-family over 5 units do the banks still take into account your personal debt to income and do they question any huge deposits (hard money/Private lender/friends&family) compared to conventional lending. I would like to use hard money for the down payment but however before I go that route want to know what if any impact would it have when doing commercial loans. Hopefully I'm making sense.

[Jeff B.]

Originally posted by @AL Brown:

@Jeff B. thanks for the insight. Misrepresenting is something I would never do/condone and I'm well aware of the stringent requirements as it relates to the substantiation of funds, because everything has a source. Thanks for the advise on this concern. 

 BRAVO Al;  Too many focus on the End justifies the Means and it good to see soundness of mind on this issue.