Is the property located in the state where you live?
Perfect. I would check with a local community bank in your area. With commercial financing you can expect the lender to qualify you based on credit score and personal debt to income rate, and cash flow of the property. Typically lender will require property to debt service 1.2/1 - meaning if the mortgage payment including taxes and insurance is $1,000, monthly rents must be at least $1200.