It looks like there are some DSCR products that will give you fixed 30 year debt at 1-2% above owner occupied 30 year fixed. This makes a lot more sense than taking a commercial loan for real estate. Unless Im missing something. All the reasons, to limit building of ADU projects of no more than 10 units. At 10 Units, the city also adds about 100k in extra fees. Float rate debt feels like one of the biggest risks in operating multifamily real estate. Having loans reset every 5 or 7 years places a ton of risk to your business.