It seems that the only way to destabilize/deregulate a rent stabilized building at this point is to do a condo or co-op conversion.

What you're referring to regarding the requirement of 20% down is more strict for co-ops.

@Terrell GarrenWhat are the rental laws like in CA where I think OP is investing? 

So, that's an entirely different kind a of loan, basically not a residential loan if the property value is too low.I'm still lost.. in your op you are looking for a refi. 

It will be a miserable existence if the lack of "there, there" posts or the lack of a refund from HD over a sample encourages the OP to try to organize a paint boycott or denigrate the people on this site, petty reactions if I've ever seen any. 

@Lindsay Op de Coul @Ben Taub Thanks for all the suggestions.

How would outing him online effect anything from a law suit standpoint if that's what OP is going to do?

Lots of opportunities indeed.As for the OP and business loans, my 2 leveraged properties are currently business loans from local institutions.

I don't speak for the OP, but I DO NOT have a decent amount of money saved up for down payment (everything tied up in the new practice as either family emergency fund and practice emergency fund).

I don’t jump on this app as much as I should, but after my OP, I’ve done some digging around with local credit unions and portfolio lenders such as Visio.