I too am wanting to achieve financial independence so I can live how I choose and not be chained to the rat race. 

Many investors would require an independent appraisal or BPO to verify the value.  

But that would require the money I have and Me buying a Semi Truck, becoming an independent contractor.

We are now financially independent.

Now to give you some focus, I am a buy and hold investor because my WHY, is to achieve financial independence with predictable and sustainable retirement income.  

Regardless of choosing between itemized or standard deduction, that decision is independent from ability to depreciate the flooring, cabinets, countertops, etc.House hacking roommate expenses division: (Curious if this seems reasonable)My side has 8 rooms: (3 beds, 1 bath, kitchen, laundry, dining, living room)Tenant lives in 1 room and uses other spare bedroom for 100% his storage.Tenant uses:2 full bedrooms @ 12.5% each so 25% total rooms50% of 5 common area rooms @31% total rooms56% of my side of duplex is "rental property"Thanks much!!

Is there any reasonable way to continue the financing, independant if I sold the property, before the term is up?

You could also get an independent appraisal.

On the property is a 2200 sf commercial building that use to be the towns first independent car dealership.

Each bedroom (student) has an independent lease and they share the common areas of the home.