Set your goal on using your personal credit and cash. 

Good credit, lots of equity, lots of cash - normal commercial financing should not be an issue for 4-10 unit property. 

Same holds true with business credit cards (usually after 90 days for credit cards).

- Going to guess that the payment difference wasn't enough to spur interest.Also going to guess a decent amount of people will use the 50-year mortgage and justify it by looking at what they may gain via appreciation versus renting and getting nothing.More investors may be more attracted to this product than average owner-occupants. - It will improve cashflow, similar to an interest-only (for first 3-5 years) mortgage. 

There’s definitely a strategy to applying for business credit to avoid alerting other lenders that you’re shopping for credit.

You have to be ready for setbacks (and a lot of them) along the way: be it lost shipments, faulty products or unexpected costs. 

CapEx), proper LLC/umbrella, disability/term life.Plan: lender-ready books, separate reserves per door, tax plan (depreciation, safe harbor, QBI).Grow: define buy box (cash-on-cash & DSCR gates), pipeline 2–3 markets, line of credit for speed.

@Joshua Davis, A refinance rarely improves the production of a property.

And your entire plan then collapses.Here is an explanation of the challenges of buying an STR late in the year:https://www.biggerpockets.com/forums/51/topics/1220969-expla...Your line of credit idea is completely different.

SELL THE ACTUAL PRODUCT.And somehow, those people get paid more than the person who actually makes the product.