Another alternative is to pull your initial equity back out of the house at its present appraised value and give-up a little short term cash-flow while your tenant repays the mortgage.Regardless, it comes down to opportunity cost ... if you think the capital has more potential elsewhere ... sell.

Once the bank had made a "final" decision, they naturally wanted new appraisals on both properties (since we had carried out fairly extensive renovations to each).

I feel like I need a cigarette with the beating I'm taking, but that's the nature of the game.

This land could alternatively be used for a parking lot for the two adjacent restaurants - I own that building too.

Would you mind sharing with me what alternative cost effective ways to market our business that you are referring to?

If the boiler is more than 20years old, your cheapest upgrade would be to replace it with a modern high efficiency oil (80-85%) or natural gas (95%) fired unit {if gas is an affordable options, I'd go with gas}.

The other alternative is to buy in cash.

One alternative would be to list the property with your agent or another agent and see what happens.

Agreement - Nature.

And again they are totally commercial in nature and as we know commercial loans have different criteria from NMLS and safe act loans.At least in the Venue's I have used them and seen them done.Just like fractionalizing a Trust deed is NOT a security is some states ( CA specifically) we agree to disagree on these issues.