This seems like assumptions that are simply not feasible. 

Plus the building itself must show receivables as a business or in rents to underwrite the NOI of the business, Rent rolls, and occupancy ratio if rentedHave you thought about starting small and simply buying some single family homes or 2-4 units and transition into commercial? 

My properties are located in a city that simply does not have SB 721 on its radar.

The lesson was simply adding it before someone asks next time Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

When questioned about the insulation he simply said it wasn’t included in the quote.

You leave it open on your phone and simply go about your day.

And we simply push back and tell the buyer dont care what your inspector said they are wrong.

I understand the rules for a cash out refinance and regular refinance are different but would you just consider this a "loop hole" to get your 75% LTV and not worry about seasoning? 

The purpose for setting it up as a STR was simply to help defray the cost of owning and maintaining the property, but again we feel that the time we put into it is taking away from our quality of life with our family/kids.We're looking for advice on what to do with the property.

And 2nd, because the statistics simply show persons with __% equity have <__% likelihood of defaulting and those at __% have higher and higher likelihood of default.