Some sleep better at night with zero debt, while others love to use leverage and are willing to take on more risk.Community banks right now will go with 80% LTV.

We intend to use this space as an office and or small sleeping quarters.

We both walked over, and he was laying next to his door sleeping on the concrete parking lot (we are in Louisiana, so okay temperature at night). 

Go dabble in other asset classes they know almost NOTHING about to then blend a portfolio to entice investment.Personally if I lost that kind of money for investors I would not be able to sleep at night.

I would not lose sleep over this.

Having cash reserves gave me the confidence to move quickly on a great deal without losing sleep over unexpected expenses.

You probably had a little tickle in your moral compass which gave you pause, which is why you reached out.My wife is an accountant, when we look for every possible tax break it doesn't feel like theft, we feel accomplished to find a place for more savings and lose zero sleep over it.

See if @Jay Hurst has a better financing option for you in Texas and get out of this mess while you still can without losing a ton of money and sleep would be my recommendation! 

Per trading desk they said "yeah, crazy right, a lot of people are gonna get caught sleeping on this one", as in when market has that cycle it will get "interesting" when the forced sells occur accelerating the drop, that those in the know have algorithms built and set to grab the bottom.

Although you didn't post pics or anything so maybe it has a huge view or a 3rd sleeping area or a ton of sq ft.