This all happened in NY and the coronavirus is happening as well in all this mix. 

There is a mix of everything.

It sounds like a mix between a contract of sale, all inclusive deed of trust, and a cash sale.

@Jacob LappI have done small mixed-use properties before and each property is a little different.

I saw "The property is correctly deeded and listed as a property owned by my Solo 401K plan" and mixed this up with the personal home that is to be refinanced.

Waiting to hear back from the second lender.My partner has an existing relationship with a third lender and at last time he reached out, she said they were still up and running.I think it's a bit of a mixed bag at the moment.

Also, commercial multi family (5 or more units) or mixed use buildings can take longer to close due to complexities, what type of property is this?

I have a few other deals in the mix right now that if I can get under contract will need to call a few private investors I have to help fund the deal. 

pid=1714Houston Real Estate Highlights in March:-Single-family home sales rose 8.2 percent year-over-year, with 7,566 units sold, marking the ninth consecutive month of positive sales;-The Days on Market (DOM) figure for single-family homes was unchanged at 65 days;-Total property sales rose 6.9 percent, with 8,965 units sold;-Total dollar volume jumped 11.0 percent to more than $2.6 billion;-The single-family home median price rose 4.1 percent to $249,900, reaching a March high;-The single-family home average price climbed 3.8 percent to a March high of $309,785;Single-family homes months of inventory was at a 3.5-months supply, down from 3.8 months last March but above the national inventory level of 3.1 months;-Townhome/condominium sales declined 0.5 percent, with the average price up 6.0 percent to $224,038 and the median price up 4.6 percent to $183,000;-Lease properties experienced a mixed performance, as single-family home rentals increased 1.2 percent with the average rent up 2.4 percent to $1,788;-Volume of townhome/condominium leases fell 9.7 percent with the average rent up 4.2 percent to $1,604.

Stick with a house.You would be asking for trouble mixing long term and vacation rentals under the same roof.