However, they're still very high, but the writing is on the wall.

The mold was so bad, most of the walls had to come out in both units!

Meet People with Experiences Similar to Your Own: There are many organizations (both free and paid) out there that you can join such as BiggerPockets forums, local real estate meetup groups, The Entrepreneur's Organization, your local AICPA group, etc. that gives you a place to receive advice, guidance, problems and ideas.Utilize the R&D Tax Credit: Your business could receive a 10-20% refund for employee labor that’s associated with improving a product or process.Utilize Employee Retention Tax Credits: If your employees that worked for your business during the pandemic are retained through the end of 2021, your business could receive up to $9,000 each quarter that your employees were retained.Own Your Own Office: This would allow you to have multiple tax deductions, utilize depreciation, take advantage of appreciation of the property, as well as allow your company to rent out any unused space to help pay the mortgage.Take Advantage of Energy Efficient Tax Credits: There are many opportunities to take advantage of these credits such as updating the HVAC system, installing energy efficient lighting, etc.Perform a Cost Segregation Study on Your Property: This would allow your business to immediately write off the personal property within the building.Utilize Work Opportunity Tax Credits: If you hire employees from groups that typically face a barrier when it comes to employment such as people with physical or mental disabilities, veterans, etc. your small business could receive a tax credit while also helping the underserved.Use the SCORE program: This program is free and connects you with resources, and mentors and specifically focuses on helping small business owners excel.

That way you retain your ownership in exchange for the interest given up on the 2nd loan.  

Retain/Renew/Re list 10.

If the walls are properly insulated, you wouldn't have this problem.

After fulfilling your occupancy requirement, you can convert the home into a rental and retain the existing mortgage. 

Also consider the resale value.The cost to TSP the walls and all surfaces remediating the oil residue is expensive as is replacing carpet and furnishings.  

The contractor also mentioned that this same area has been repaired before, he saw dry wall cut lines in the same area he has to now repair.

Think studios with an actual bedroom wall.