I will seek out the answers to those questions as I get into this field. 

Readers should seek professional advice.

We know working with policy makers is an important part of our growth and we actively are.

Family, friends, activities, etc.

"I was looking at get my property rented by the room to college students or Veterans" but I don't actively see this happening often.

Readers should seek professional advice.

As a general rule of thumb if the property has a ground level commercial requirement in order to show sufficient hardship to seek a residential use change the property should be located in a location that is not conducive to commercial use i.e residential street, close but not as marketable as properties located on neighborhood's primary commercial corridor etc. 

Consult with Experts: If you're uncertain, seek advice from a financial advisor or mortgage professional who can help you evaluate the specifics of your situation and give tailored recommendations.By following these steps, you can make a well-informed decision about whether refinancing while considering prepayment penalties is a good financial strategy for you.

Still seeking a buyer Lessons learned?

Readers should seek professional advice.