In spaces like offices, retail establishments, or other commercial areas, TI work ensures that the space is tailored to the business's operational needs.I'm looking forward to a meet-up in Chicago as well.

Hey Patrick, I actually ended up just meeting with my town's code enforcement officer and confirming everything with him. 3 other people in my town have used this program so far to build separate houses on their lots, so he had some experience with seeing the process through.

There are a lot of loan officers sometimes new to the business that send out what is known as a "teaser rate" More than likely you are also paying 1.50 to 1.75% points for that rate and you should "Never" pay points just use a real FDIC Bank instead of a "Lender".

Unfortunately the 3 asset classes that banks are not fond of right now are rural properties, commercial office space, and vacant land. 

I talked with the City of Columbia Planning office and they said I can split the property into 2 separate lots and by doing so I can circumvent rezoning into commercial.

I would definitely consult/call the property tax assessor's office in whichever county you plan to reside in to be 100% certain as they will be able to tell you. 

Spoke with an Attorney who advised that I was correct in the situation and mentioned posting notice on the Tenants door, as well as Certified Mail, then going to the Magistrates office to file and Landlord / Tenant Complaint.

The paystub also has misspellings of the city the office is supposedly located in.So then I tried googling her, and a woman in Miami, FL with the same name does exist, but she looks nothing like the woman I facetimed with tonight. 

It's free to contact tax office and have a conversation.

The only use case I know of for SBA-backed loans to finance real estate is when a non-RE business owner-occupies at least 51% of the property, such as an attorney firm buying the office building where their office is and leasing out the units they don't use.