Plan to spend $350k over the next 2 years adding a new office, adding amenities and adding water meters to each unit.

I went to their office and they seemed to be arguing about things and very much not lenient to any tenant issues.

The commission on 1-2 tiny deals alone will pay for that.

@Tara Jenkins you may have to restart the process with an actual mortgage loan officer.  

Is this multi, retail, office?

Unlike residential, commercial assets aren't based off of comparable prices.  2 office buildings next to one another can have dramatically different valuations because one is twice as big. 

Quicken/Rocket is notorious for that.Not sure where you are located, but I know rockstar loan officers in every state, so if you need a referral feel free to PM me.Best of luck!

A direct quote from the banking officer at one of these banks was “we prefer loans to be over 20k”.

You should then qualify for home office deduction and your trips from home to the job site and back will most likely be deductible.

These are the tough critical questions that you need to know the answers to BEFORE you even go under contract for that first property.If your loan officer and realtor aren't working through that same thought process with you, then you're working with the wrong people.