I recorded a virtual tour on my cell phone because I was getting tour requests I couldn't fulfill, but no one has asked to see the property since I made the recording.

@Michael Klinger Sending you a connection request about this.

Hey Allen, When you approach the finance people, are you being specific in your request?

Depending on the lender (bank or alt. lender) you have to look at origination fees....points, doc prep, interest rate, frequency draws are allowed/min. draw amount allowed per request, interest payments vs. interest reserve & whether interest reserve is capitalized to fully understand the true cash requirements.

Govt loans will typically offer loan mods, forbearance, and other workout/loss mitigation options if requested, but that is a feature of the loan, not law.

What seems to be your case - request a capital call to cover debt service for the next year "hoping" rates go down.

We have had no trouble getting our rents increased as long as we have three comps to support it and send in our request in a timely manner, 60 days out. 

I sent you a connection request, we should see what deals we can put together.What area of Florida do you recommend most highly?

My question is, does anyone know if it is possible that I can convert the building into a 4 units apartment with that Mixed Use zoning or do I have to request a change of zoning?

I believe they are expressing their displeasure with the fact that I have not accommodated some of their recent requests that went far beyond the scope of what is required (like insisting a licensed electrician switch out a smoke detector when we could do it ourselves) and I had to set some boundaries after years of high maintenance for them.