I often work with Ethan Gao who is also a lender has an office in Katy.

If not, then find a bank with a Commercial Loan officer. 

Can we change these units back to commercial / office space?

House needs some Interior Cosmetic Work, Wood Fence Repairs and some Plumbing Work.I want to turn and run, but I recently heard where there is a Problem, there is Opportunity.I thought this might be an interesting Case Study.Thanks for the Ideas.

Quote from @Doug Smith: When we started this company, I had been a special assets officer (handling non-performing loans for banks trying to extricate them from the deals with as little damage to them as possible) during the last big crash.

Either that or gping with my other option of installing a bathroom on the second floor and including it with the garage as an office space.

I worked with the various ideas and filled in in-between the lines You're one of the sharp ones, any ideas on how to profit from those encumbrances? 

Quote from @Mark Marcelletti: Great idea Thankyou!

My business partner and I purchased a commercial office building a few years ago with creative financing.

I own a mortgage company, so I have my loan officers use this Fannie Mae income calculation tool for all business for self borrowers: https://singlefamily.fanniemae.com/applications-technology/income-calculator .