I am sure this varies depending on the size of the job like if you are using 1 GC or a few subs.

Plus if you over size them a bit and dont do huge spans then the city usually doesnt ask for calcs anyways.

It's not worth my time which is why I like transactions because deal size 2,5, 10 million etc.

Would this change based on what size building you would put there?

It depends on a whole host of factors, but you can be assured that if the person sizes you up as someone who doesn’t know anything, you will be taken to the cleaners.

The 'airforce reserve' gal had all the chores down on a chart & ran a strict ship so to speak.

Bill has a good size firm so should be able to take you on.

Plus, the value of properties of this sized are based on their income so I feel that insulates against market downturns.

At any rate, call a local mortgage broker and ask for a quick quote. most should be able to provide you some answers without pulling credit or asking for any up-front money. depending on the situation, you should have SOME benefit from a refi if your current rate is 4.5%, just based on where the market is, but there's no way to know for sure without running your specific scenario. mortgage is not a one-size-fits-all.

Did you use the same size properties for all of your analysis, and where were they located in relation to the subject property?