I am going to be in contact with a local mortgage loan officer and see what my next steps are.

It's a combination of office and industrial space.

Most of our tenants are office, retail, and specialized uses however.

Well, They're breaking ground this fall and are expected to create +1,000,000 sqf of space, retail, hotel, office, residential. 

Talk to City folks they are super helpful.Good LuckVivekHi Vivek,Do you go to the city office or is that something that can be discussed on phone.

Her income is right under 3x the monthly rent requirement but does have a steady job in a dental office.

When you *file your taxes through the US Mail you drop the envelope into a mailbox at the post office where it is picked up every few hours by the postal service.

In further exploring this route though, the mortgage officer I’m working with mentioned that while they may be able to refi up to 90% (or maybe even all) of the balance I have borrowed from hml, if I instead choose to acquire the property with my own cash (no hml), then the max amount they are able to cash out (refi) to me is 75% of property value.Can anyone explain to me why this is?

That entails both money and time, and she may not have had the opportunity to expend either within 5 days of the divorce.Were I in your shoes, I'd engage an attorney to draft the quit claim deed, inform the ex to contact the attorney's office and arrange a time for her to go sign, and that would be that. 

My loan officer hasn't told me the exact rule, but essentially they are asking whether I bought the house with cash or with credit.