Obviously still shopping around. 

If you were shopping and this house and a thousand others like it are available for basically the same price, is there anything that could be written in the title of your place that would cause you to choose it over that one?

I was thinking more auto shop, lawn care, electricians, etc.

Purchase a business property such as an automotive repair shop.

You are going to turn off a lot of lenders with your post because you are clearly going to shop every term sheet that's turned over to you with a focus exclusively terms with no regard for the servicing, loan administration and most importantly what that loan officer can offer you in the future.

HEPA shop vacs we’re $6-700.

Hahaha you need to shop around even 5 mil policy still under $500. 

It's funny that people complain about low paying jobs, but nobody wants to be a plumber, electrician, machine shop, welder, or other high paying jobs.

Heres some common structures:5-4-3-2-1 - Stepdown (5%,4%,3%,2%,1%)Flat PPP - 5 year PPP and there is a 5% hit in fees at any point in time within the 60monthsAbbreviated PPP - 6 months of interest payments on 80% of the balance at closing.It's all different... just shop it out and choose a dscr broker who has the knowledge to help you make an educated decision.

@Frank Patalano I am starting to get discouraged because I am losing out to cash buyers in the C neighborhoods I’m shopping in.