I've been thinking about re-financing it ASAP. 

It contains hundreds of files such as ebooks, checklists and spreadsheets for real estate investors: https://www.biggerpockets.com/filesGood luck.

Still unclear if we can rezone to 3-unit, but it seems that in that area we cannot have 3-family properties...In case we can't rezone to 3-unit, what are the legal options available for the 3rd unit? 

Do we look at this as an opportunity to try and convince the Owner to sell? 

A family friend called me as it was listed on the MLS How did you finance this deal?

How do you think you can get approved for a conventional loan without a job and why are you trying to invest in property, get a loan on it, when you have no income?

If there are common areas in the commercial property, then sure you would need to do the accounting regarding who pays what and what's collected among the various tenants. 

I’m listening to the podcast and doing research analysis of houses and other stuff has, if anyone has tips or anything that I should do or like what I should plan, I’m open to learn 

I do believe that we will start seeing better prices as people start to try to get out from their monster debt with properties that are not doing what they thought they would do. 

Not just more cash to do more deals, but cash to do better deals in different neighborhoods.