Then relax.

Execicse some financial muscle and Pay off the student loan in three months.  

Currently you might only have a few stories there but might be allowed to go much higher in the future as zoning laws might be relaxed some as density increases more and more.

I think you need to relax and take a deep breath. 

This time has always been wasted (though relaxing) - that relaxation is not earning income.

However, I'd like to flex my creative financing muscle and save a good chunk of my own cash if possible.

When you define the expectation to a creative then you are assuming permission to say “this does not work”  when you have a stager that is going to get photos for marketing out of the deal they will stretch their  creative muscle sometimes accidentally not working in the best interest. 

The terrace is becoming the center of the apartment - people eat, relax, work, sunbath, lounge, invite friends over, practice yoga, you name it, in a space like this.

But we have been having challenges trying to make sure we have time for everything, and sometimes a chance to relax.

You have done a great job and maybe its time to relax a little and enjoy some of what you have accomplished.