Keep looking at other financial institutions.

As a former banker, I would use the same bank for all of my accounts because most financial institutions use "account analysis" in assessing service charges. 

As a broker my book is predominately more on the institutional side with power centers and grocery anchored centers.

I haven't read through all of these posts, but it looks like all of the refi advice has revolved around institutional lending and the 2 year track record typically required for that debt.You have another option.

In fact, the only schooling I had after graduating from high school was an audio engineering program from a tiny school called Dark Horse Institute in Franklin, Tennessee.

No SSAE16-Soc II report on file, No E&O, no regulatory body governing them, no audited financials, no policies and procedures on NPPI data, etc.) they aren't going to be able to call an institutional lender/servicer/bank to buy a note.Our diatribe ends up being to the benefit of the OP.

Buying institutional notes requires 100% cash up front. 

The institutional investors have switched to buying land and building new for their portfolios which tells me that they see a drop coming and are not placing capital until it does but they need to keep staff and deploy some money so their investors do not get mad that they are holding too much cash.  

However, damages, fees, or costs are not recoverable under this section against a retailer who has, in good faith, engaged in the dissemination of claims of a manufacturer or wholesaler without actual knowledge that it violated this part.(3) In any action brought under this section, upon motion of the party against whom such action is filed alleging that the action is frivolous, without legal or factual merit, or brought for the purpose of harassment, the court may, after hearing evidence as to the necessity therefor, require the party instituting the action to post a bond in the amount which the court finds reasonable to indemnify the defendant for any damages incurred, including reasonable attorney’s fees.

I’d be curious to hear from actual appraisers on this, however as a solar professional in my experience appraisers will not immediately ad value for solar, despite the appraisal institute determining through a comprehensive study that solar ads $20,000 value for every $1,000 in annual energy savings.