You found the deal. A five-unit, a small apartment building, your first property big enough to count as commercial. Now comes the question nobody really prepared you for: how do you actually finance it? Most doctors freeze right here. Do you hand it to a commercial loan broker who shops the whole market for you, or do you walk into the local bank where they already know your name? One charges a fee that makes you wince. The other gives you a single option and a lot of trust. And the wrong mo...