Im trying to execute my first commercial deal (currently own 23 residential doors) on a 6 unit apartment in Illinois. It's feeling near impossible to find funding as nearly all of the lenders I've called either require you to be local to apply or the deal has to be over $x million.  I have called multiple local banks and they are all "talking to their loan officer team" and will get back to me. 

The only one where I've found a somewhat positive response was Wells Fargo. They do deals as low as $50K, 15 years, 1% origination, 5.37% Apr, 60 days to close. 

Where are you getting commercial loans that are as good as or better than this Wells Fargo example?  Would love something that at least amortizes out to 25 if not 30 years. 

I'm a top shelf borrower with 800 credit score, over $150k cash and multi million dollar residential portfolio. 

Thanks for the inputs.