Thinking To Refi My Owner-financed Office Building, Need Advice

[Mark B]

I'm in new territory here. Would love some advice on my next move. Here's the stats:

I purchased a $300,000 office building about 3 years ago with owner financing. The interest rate is fixed at 7% and has a call in about 7 years. I put 30k down and probably have about 250k left on the note.

With the low rates, I'd like to get a conventional refi. I have rehabbed the building some and I bought it pretty good. Let's say it appraises for $400,000, my new LTV would be about 63%.

Are conventional lenders doing this kind of refi with nothing down? Seems like if I have this amount of equity in the building that it would be a safe bet for them. The building has 3 tenants and is cashflowing well right now. (But one of the tenant's is my co.) But I do not occupy 50% of the space which I know is a watermark of some kind. Are there any issues the banks will have with this?

Any ideas or bits of advice on this?

Thanks, Mark