Small Business Administration Disaster Loans (EIDL)The US Small Business Administration (SBA) is currently offering special disaster loans for small businesses with less than 500 employees, affected by the COVID-19 pandemic.

I just am not sure if banks would deny my financing in the case of still being a contract employee. 

You need to pay an attorney for it.As mentioned before, your corporate veil is what protects you but is easily destroyed in an llcThe key is to pay yourself as an employee.

We were hoping to hold the property, then when things calm down rehab it, so a HML would be tough right now. 

When he or she continues in possession, in person or by subtenant, of the property, or any part thereof, after the expiration of the term for which it is let to him or her; provided the expiration is of a nondefault nature however brought about without the permission of his or her landlord, or the successor in estate of his or her landlord, if applicable; including the case where the person to be removed became the occupant of the premises as a servant, employee, agent, or licensee and the relation of master and servant, or employer and employee, or principal and agent, or licensor and licensee, has been lawfully terminated or the time fixed for occupancy by the agreement between the parties has expired; but nothing in this subdivision shall be construed as preventing the removal of the occupant in any other lawful manner; but in case of a tenancy at will, it must first be terminated by notice, as prescribed in the Civil Code.5.  

I’m actively working on automation and an employee base to minimize that affect, but I still know there will be cost.

W-2 employee with long job work history(longer than a year) at a Fortune 500 employer, with a job that is hard to be downsized or lost easily, is the gold standard.

Here are my two cents (please note this is my first post - I am coming from Facebook where people are necessarily tough) I'm just trying to get an idea of this community thoughts. 

If you pay employees by W2, this can be added as well (with normal payroll costs define within). https://home.treasury.gov/system/files/136/Interim-Final-Rule-Additional-Eligibility-Criteria-and-Requirements-for-Certain-Pledges-of-Loans.pdf?

It is $1k per W2 employee, so only $1k for a one-person business.