Here is an article that appeared in the Worcester Chamber Exchange.I've been hammering away at this issue for years on my BiggerPockets blog.

I will find out this week if there are any further complications beyond the "mixed use" appearance even though there is no longer commercial influence on this property. 

I sent you a private message, my apologies, it appears to have been sent twice.

You appear to have a Class A property that will be fairly easy to manage (even DIY!)

Amres appears to be highly rated, but their info did not come up while looking for a lender through Bigger Pockets. 

This is the equivalent of me buying a tape measure and hammer and calling myself a contractor, and then charging ourlandishly low prices to build stuff.

Given your cash-on-cash is only 1.8%, that appears to be the case.

Late fees are flat fee charges while the 10% will be against any unpaid rental amounts.It appears that the actual unpaid rent has been satisfied now, this is why those funds collected were applied to the late fees next.

but because I also practice IBC, that I would be max funding a whole life policy NOW so I would be storing my cash in a more beneficial location than a HYSA, can leverage the money no questions asked for any future investments you might decide on YET still earn interest and likely dividends on the cash value, flexibile repayment terms, and protections on the backend for you and your loved ones.Not to mention tax deferred growth and a future tax free income stream of dividends up to your basis.Could also serve as a 529 equivalent (didn't see it above) for your children if you didn't put policies on them.Without knowing all the details it's hard to say. 

I have been looking through our reservations, and it appears that their fee can be as high as 24 percent.