Needing advice from someone with more experience.

I have many more questions but that is it for now thank you for your time

More details: I calculate the life expectancy of the homeowner.

For properties in that range, my monthly payment will be more than 40 percent of my monthly income but I should still be able to pay for that by renting the other rooms.

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Once it rezones the property will be worth a lot more then it is now.

Besides this, rather boring, pastime of writing code, I also happen to be extremely passionate about real estate, more specifically multifamily and I decided to launch a new project to develop an MVP of software solution that is tailored to the needs of property managers. 

While they require you to use their system for your comps, which is the ones they use for the comps as well, they ignored those as well and used ones that were far removed from the property i.e 3 to 5+ miles from the property and not very similar at all, for the loans and will often "move the goal posts" on the deal and add more requirement's that they never told you about even when you ask what the requirement's are.

It's either self-manage, or full property management, while I need something in the middle.Some more details on my situation:I own an STR in Gulf Shores, AL and the vast majority of it is automated.

There's probably more to this story...Chase is a big bank and isn't often where I'd look for small commercial refi's.