I bought a 4 unit myself in Rogers Park/Edgewater boarder and new bars/coffee shops are popping up all over. 

Since you’re so far over I’d leave it alone barring any water stains. 

I'd definitely recommend searching "Do Hard Money" in the search bar and reading through some of them.

no mention of 75% LTV. what i’m not looking forward to is another 30 days of explaining my finances and rentals to the under writer. my previous loan was great. bar rate 4.65% $1700 all in fees. small loan amount. but wondering if i could have done this a lot earlier?!?

You would be better off buying a bar of gold and burying it in the back yard than borrowing hundreds of thousands of dollars, dealing with tenants, taxes, termites, and toilets for only $100 per month.

Become a Biggerpockets pro and search the BP search bar for NY leases.

Likewise, a bar might be needed in the shower - no issue.It is better to accommodate than resist with the ADA. 

We are meeting at Six-Twelve Coffeehouse and Bar in Fayetteville at 6:00-8:00 PM. 3980 W.

Use it only for gas and groceries, and never at the bar.  

I don't want to retire completely but I want an easier life and so have been thinking about buying a bed and breakfast with a restaurant/bar.