BRRRR Strategy using commercial loans for 1-4 unit properties

[Matthew Wright]

Does anyone acquire rental properties thru BRRRR strategy, using commercial loans for 1-4 units and does it work well? Talking with my commercial broker, it sounds like it would be a nice flexible way to build up my portfolio without having to deal with more rigorous requirements of conventional, but I'm also thinking commercial terms/rates don't really help me replace my W-2 income as quickly, since its more expensive and cash flow takes a hit.

Also, when people refer to the one percent rule of thumb, for acquiring rentals, are they referring to profit after debt service etc. or are they referring to what the property would rent for every month?