Unable to Close A Commercial Deal As a New Investor

[Faith Olatoyan]

Hello BP members,

Please, I need all the HELP, suggestions and guidance I can get at this point in my real estate journey!

I started out as a real estate investor when I closed my first 2-unit multifamily deal in June 2025 which has been cash-flowing very well as I'm personally managing it as both STR & MTR.
Around early September, I found a great off-market deal which happened to be a 5-unit commercial property under $1Million. I did my background research and found out that I could possibly find a lender that would fund the deal as a DSCR loan as the ratio was very good at 1.25 and I had the funds for 25% deposit.
However, I wasn't able to close with the initial lender that pre-approved me as a new investor because one of the units in the 5-unit was a Studio and the size was under 400sqft (as against their internal requirements).

I have been under contract for the past 3 months and only have 28 days left to close, if not I'll lose my Earnest Deposit and all the time and efforts I've put into making this deal work and currently unable to find a reliable lender as they keep mentioning that I'm a New Investor with no Experience - as my first property is still under 1 Year of Ownership.

Please...I'm asking all knowledgeable investors and direct lenders here to come to my aid at this point as I don't want to lose the property nor the money I've spent so far in this deal. What other financing options do I have? Can I find a route to close in under 2 weeks?

I REALLY NEED HELP!!!

Thank You!