During this time, I found myself unemployed and having difficulty finding a new job due to not completing my degree or having formal training beyond high school or military.

If it's on your credit, you are on the hook for it.However, it shouldn't effect the loan process too much, a simple Letter Of Explanation should be able to get the job done with the correct investor. 

I really appreciate you taking the time and digging in together so I was able to get a full picture of your expectations and how we can do a better job for you and other investors.  

That will buy you some time to get more capital together, and you know that money will be used to perform the job.

(and recently Anduril which just announced another 1B+ and 4k jobs to Columbus Ohio).

I do not think enough coverage is going to the people who are fighting this fight -that job is tough and a big uphill battle to fight these fires. 

Great macroeconomics overall - population and job growth and major companies moving here.

Getting a commercial loan can be like getting your first job.

Her income now is SS of around $2400 and a basic 40hr office job that pays all of $17/hr, but she is retiring with this move.

Property Managers want to make their lease up job as easy as possible and bringing a property up to like new condition is one way of doing that.