As far as rates I see them declining slower than expected but lowering nonetheless. 

Best is to avoid any outlet known to lie in the past and have broken deals.

I don't expect much will change over the long run.

@Mike Sfera some property managers might do this and maybe give you general guidelines on what to expect for Class A, B and C areas, etc.

The last 1/3 is broken down as we finish up . 

If you're clear about your expectations then that's their issue.

But we're expecting a big cold snap/snow/ice storm tonight and all weekend, so, I'm worried about my pipes. 

Expect to put no money in your own pocket for a couple years.  

The real estate market has shifted dramatically in recent years rising interest rates, evolving buyer and seller expectations, and fluctuating property values are keeping all of us on our toes.

.), I'd recommend that the residential units fully cash flow the loan as my experience is that mixed use properties are tougher to finance as most lenders tend to prefer one or the other and something in the middle gets more difficult.For example, and granted I don't know anything about the area/neighborhood, I would expect this property (https://www.realtor.com/realestateandhomes-detail/111-NW-Har...) to be easier to finance than the mixed-use property you mentioned.