This is what happen when an inexperienced landlord try to be transparent and take their business as a job.

Perhaps I should start a "guru" business...lol.

I own a mortgage company, so I have my loan officers use this Fannie Mae income calculation tool for all business for self borrowers: https://singlefamily.fanniemae.com/applications-technology/income-calculator .

I’m pretty handy with tools and business minded.

Also, if it fits your budget and your business needs a write off BPCON lives up to the hype. 

Vacancy is a normal part of the business.

My only reply here is to say to simply focus on the business objectives.

Every loan and bank will have its associated fees and cost as its the price to do business but if you see more leverage in tapping into existing equity that could very well be the case.

I was able to rent the garage to a seasoned electrician running his business through there only coming in and out to stock his truck once per day.I hope to be able to convert the second floor into an ADU as soon as Feb 2nd rolls around.

You might have a tenant upstairs and a local business renting the storefront below—a winning combination​.2.