I purchased the property at a 13.5% cap rate, 63% LTV with an investor loan last week. It’s non owner occupied, I’m self employed my fiance has a regular job. The property will cash flow 0 with a 30 year loan at 7%, 0 for a 20 year loan. I’d like to finance it without having to use any of our incomes from our jobs to pay back the loan, just the income from the property. Any suggestions on who to start talking to, and what action to take. Should I get a commercial loan? Or a residential loan with a commercial appraisal? I’m looking for 75% LTV after the refi.