The city mayor is super progressive and has done awesome things for the music and arts in the city.

So in my opinion, what you've experienced is a lack of appreciation or non-communication that those individual lender employees are just not financially incentivized to problem-solve with you.The best bankers and other debt officers are the ones who don't just open whatever account or apply for whatever product you ask for, but who ask about the ends and then reverse-engineer the means.You're probably best off with a lawyer who won't mind diving into the language of your current business loan instrument.

In the meantime, my daily running/workout listening has changed from music to BP podcasts and I relentlessly read the forum here.

We are really into music.

Flipping and suplementing with additional cash flow, that's music to my ears!  

He parties until 6 a.m. and blasts thumping music that can be heard a block away.As a landlord, I have no problem with being the decision-maker.

However, I see the following on Fannie Mae's website:Unless the previous borrower requests a release of liability, the servicer must process the following exempt transactions without reviewing or approving the terms of the transfer: A transfer of the property to a limited liability company (LLC), provided that:- the mortgage loan was purchased or securitized by Fannie Mae on or after June 1, 2016, and- the LLC is controlled by the original borrower or the original borrower owns a majority interest in the LLC, and if the transfer results in a permitted change of occupancy type to an investment property, such change does not violate the security instrument (for example, the 12 month occupancy requirement for a principal residence).Note: The servicer must notify the borrower that a property transferred to an LLC must be transferred back to a natural person prior to any subsequent refinance application in order to meet Fannie Mae’s Selling Guide underwriting requirements.What am I missing? 

A lot of terms thrown out there already that are probably more applicable (payback period, etc.) but another one thats used (primarily in debt instruments) is duration.

The idea of Cafes, good food, good music, hanging out with friends appealed to him, but chopping lettuce and preparing food and cleaning up, dealing with employees and all the WORK thats required was very different then the joy of hanging out at a cafe.

I have a new tenant who likes to hang in his garage and play music.