Contact the code officer and get details - how did they come to their decision and how do you appeal?

Depending how much you earn you can step up those savings by getting a side-hustle in any part of real estate....working for a top Real Estate office on weeknights and weekends, working for an RE Investor, working for a General Contractor and learning a few skills, etc.

In Franklinton there are plenty of large projects going on that will bring massive growth to the west side of Columbus, such as the Peninsula Development, which is a multiphase project that will erect a 24 story apartment complex featuring a grocery store, a multi use office space building, and a new hotel featuring a two-story Pins Mechanical venue.

I checked online and I did not find any standards/rules.The lady in the unit 2 facing the construction is working in the office most of the week and she pays a rent of $ 2750 per month;  we agree for a $ 300 rebate when we signed the lease few months ago.

Basically syndications, and a lot of other office and residential commercial is in real trouble over the next 1-2 years.

Jay, I am still waiting for information from the loan officer.

I don't have anymore Ca properties but the Santa Clara Farmer's office underwrites an apartment building in coastal wa.

My loan officer left a message the next day and said we could not use the HELOC for the whole down payment and that we needed to show we are using some of our savings - he said he would be in trouble with the underwriter.

I've scoured the internet for an answer as well as emailed my compliance officer but haven't gotten an answer. 

That part is normal for commercial mortgages; 5 year maturity is common, and 2019+5=2024 is why many are expecting offices to have a rough couple years.Net operating income (NOI) is net profit before the mortgage payment, and determines how big of a mortgage you can get.