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.

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

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".

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. 

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. 

Instead of working on a vaccine he sat in the Oval Office watching his fellow crackpots on Fox News and told everyone he believed the cure was to inject bleach into their veins.

The devastation wore off because I knew I wasn't leaving that office without changing her mind.