Turns out nobody else in the industry, including lenders, really understood the negative impact these loans would have on millions of people.

I currently own a retail building I purchased years ago. 3 years left on the loan with a sub 4% interest rate.

Also, i forgot to mention: - My credit score is in the 770ish and am looking to use a conventional loan

The property sold for 330K - that's an ROI of 15-30% per year assuming no loan.

i would be purchasing the property with an FHA loan. and im also looking for solid cashflow + long term holding 

The bank I have been talking to for the loan / construction loan seems to be willing to apply that logic. 

I am considering selling a single-family rental in DC and/or looking for a new commercial loan to purchase the building as much as I (or we if my brother decides t partner with me) can to be a majority owner.

I know folks who bought strip malls and multi-tenant retail in 90s for 5-10 cents on the dollar at auction from Resolution Trust Corp after Savings and Loan crises in Texas, We are now going through similar deleveraging event after super frothy period in Multi-Family due to 0% fed funds x 20 yrs and many properties bought at 3-3.5 cap rates, especially in austin/dallas/H-town. 

For a lender to request a loan in full – they stop making money on it.

Significant defects in the roof and siding resulting from improper handling of materials, and improper installation.