So they often will reduce the leverage of the loan (getting 65% instead of 75%) or deny it (which isn't as likely). 

They have also outsourced their TAX SERVICES and despite my constant request to expedite my tax filing so that we can apply for a CRITICAL BUSINESS LOAN TO EXPAND OUR BUSINESS, THEY SAT ON OUR TAX and BOOKEEPING files for 7 months.

We've utilized the VA loan for our current home, and this strategy has worked well so far.

Job included inside work of leveling floors, installing flooring, paint walls, kitchen cabinets, etc in both units, as well as lay a new driveway, fence the back yard, provide attic fans, and install electric to the crawlspace to add lights and a sump pump.

He said the federal government would pay fire fighting costs.i think the state and local governments should use eminent domain and take the land, rezone it for condos and multi-family, install mass transit and better transportation systems and turn difficult to defend areas into parks.

@Adam Newman yeah, not understanding your statements, "I have $50k plus about 7k in the bank" and "take out a loan and go in with 20% from the start?".

Credit Unions are pretty great, as in my experience, commercial loan renewals tend to be automatic.

They unleashed pandemic handouts and loan programs that greased the economy (this was not well thought out, contributed to the inflationary environment we are still suffering from and PPP and ERP loans were flooded with fraudulent loans and benefits)These programs leveraged existing corporate infrastructure (banks and the government had little or no operational involvement). 

What loan size and loan to value?

The modeling of this is actually pretty easy (see link: 42-unit proforma sample), but my model treats the pre-refi loan as I/O, but that can be updated based on your deal.