20 years ago I was rehabbing houses with brass toned fixtures, faucets, etc. 

That alone is worth getting clarified because it sounds like they may be trying to fit the deal into a box that doesn’t quite match the product.Second, for a triplex, most lenders fall into two buckets:Residential (1–4 units) → conventional or DSCRCommercial (5+ units)So calling a 3-unit “commercial” is a bit of a stretch — some banks do it internally, but it’s not standard across the board.On the terms:15% down at 8.75% isn’t crazy in today’s market, but with your 810 credit and low debt, you should definitely have options to compareEspecially on a DSCR product, where the focus is more on the property’s income vs. your personal profileBottom line: you should absolutely shop this.Not because it’s a bad deal — but because:You want clarity on the loan typeYou want to compare structure (DSCR vs conventional)And make sure you’re not leaving better terms on the tableAt JCREIG Capital Funding, we work with investors on small multifamily like this all the time:DSCR loans (no income docs, no PMI)Flexible down payment optionsClear structure so you know exactly what you’re gettingIf you want, I can take a look at the deal and show you how it would be structured on our side so you can compare apples to apples before making a decision.

The right loan structure can help you:• Pay off acquisition or rehab financing quickly• Access newly created equity sooner• Reinvest capital into your next property faster• Improve long-term cash flow with stable financingEvery investor’s situation is different, and the best refinance option often depends on factors such as property type, rental income, loan structure, and overall investment goals.If you're actively using the BRRR method or planning your next project, it's important to work with a lender who understands investor financing and can structure loans around your timeline.

Ideally, they would also understand rental income offsets and knows how to structure FHA or conventional correctly. 

Having that follow-up structured is huge, especially when most of the conversions are coming from timing rather than the initial contact.On my end it’s been a mix.

The property was renovated and is currently operating as a short-term rental producing stable cash flow.Through this project I was involved in:• Deal sourcing and analysis • Negotiating the purchase structure • Renovation and project management • Rental operationsMoving forward, I’m very interested in learning more about financing structures and working with lenders or investment partners.

I've seen real estate teams spend weeks chasing deals that were never going to work simply because there was no structure around how opportunities got filtered in the first place.

Hi everyone,I’m representing a seller with a fully operational short-term rental in New Orleans and would appreciate feedback on pricing and overall deal quality.One challenge has been comping this asset—there are very few buildings in New Orleans with a similar grandfathered hotel-style STR structure and consistent financials at this scale.

I’m looking for input from private lenders and operators who have experience structuring secured loans for small commercial manufacturing businesses.Here’s the situation:I operate a Delaware holding company that owns a licensed cannabis-infused beverage and consumer goods manufacturing operation in Denver.

I’m currently exploring house hacking and properties with separate rentable spaces, trying to understand what actually works in the Atlanta market.I’m working with around 70K for my first deal and trying to be thoughtful about how to structure it.I am here to learn from others and grow as I get started.