I currently own 5 single-family homes that I keep as rentals. I am ready to Branch out and look at options for my first commercial property, something around $500,000 to $700,000 range. I can put $40,000 down, maybe a little more if I need to. My credit score is around 600. Property will be in either NJ or NY. I want hard money to start and will look at other options later. Who has it?