I used run a shop that turned shipping containers into contruction offices.

I would still say 17k total is high, if you want some other companies to call, DM me would be happy to provide some to shop the quote

If the lender you talked to only has this option, you should shop around for lenders that have other loan products-80% cash-out refinance is going to be challenging in any circumstances, but especially with a short seasoning period. 

fix-it-all (joint compound with some additives) is not suitable for exterior at allYes it will wick in water as the paint deteriorates, and cause more rot, and keeping a good coat of paint on it won't be enough long-term in many/most climates.bondo (polyester auto body resin) is a cheap-ish "alternative", although harder to get detail work just right and not really all that suitable anyway (maybe ok with a good epoxy / primer, perhaps?).

I just didn't shop around enough.

You need to package everything correctly and shop several banks as they all have different appetites rates and terms.

But I bet that cool Smurf Blue body paint you have costs plenty. 

It is three apartments, a store front, and two shops/studios. 

Mortgage Shop w/ Brenna Carles.Chris McPherson with Movement Mortg. 

@Shravan Hemchand shop around ,you should be able to get a cost seg done for $1,500-$2,500.Contact a couple tax attys.