Small commercial loan in Lafayette area.

I am looking to pick up another rent house and looking at finance options. I have a larger commercial loan 5y/am20 that I don't want to fool with because the rate is low (4.25) for now, and don't want to fool with my primary home loan thats at 3%/30y. I am looking to just brake even/ touch positive so I can add it to the portfolio for long term. It would be the 12th house on the same street as 11 others so that's the main draw. Anyone do commercial loans in the area that wants to run some numbers for me?

I am hopeful rates will come down so I don't know if being in a 30y type that would take more out of pocket (and possibly have PMI) would be better than a 5y/20 type? Monthly amount might be lower with the 30y even with PMI?