The finished product will be to sell retail.

@Justin Myers If you can be more specific regarding what area or areas, of Real Estate Investing, you wish to pursue, you will receive more productive and tangible feedback that will permit you, to move forward having a certain level of confidence and certainty. 

Every project, I learn something new (Either about the business of contracting, financial products, Title companies, Tenant screening, and the City).

I've done this with 3 properties now and I always get multiple qualified applicants, willing to pay slightly more to me (vs. another landlord) because of the service and quality product I deliver.  

I have nothing but 5 star reviews across like 5 sites.

I hope showing both sides of the argument is helpful; I don't think people telling you what to do is productive. 

In anticipation of this, I am trying to connect with local banks that have Commercial loan products that would allow us to do a Cash out refinance.  

Spend all of your time on income production income if you can and try not to waste any of your time on things that are not income production.  

For this reason, my rental has nothing but 5 star reviews, across all STR sites.

Go to H.D or your local hardware store and purchase mold/mildew remover and abatement spray which should be a bleach free product.