-Here’s the harsh truth, they didn't want to do business with you.

For an SBA hotel loan, the SBA may guarantee say 30% of the loan and a traditional bank takes the next 50%...total LTV/LTC of 80%...will vary by business but it's higher/better than the previous replies (otherwise, you would just get a traditional commercial loan without the SBA involved). 

I am in the LSU Business Management program working on my Bachelor’s degree.

. | Better Business Bureau® (bbb.org) What will filing a complaint with the BBB do?

My MIL owns a floral business and apparently the credit card she uses for her business is keeping her from refinancing.

I don't know everything ( I'm better on the construction/building/renovation side of things) but DM me if this is something you are interested in doing and I will help anyway that I can!

How do you finance the tear down do you add it to construction?

I used the proceeds to start my business.

So there are a million realtors, loan originators, accountants (RE is, for most, not complex vs other small business.)

Also, it can avoid filing an amendment.Another great point on eligibility- SEP IRAs require net self-employment income from activities like 1099 contract work, real estate sales, wholesaling, or other self-employment business income.Passive income as you have highlighted, does not qualify.