I'm only 22 and I'm also just trying to become a law enforcement officer.

Understanding this is a Real Estate forum, I am hoping that someone could point me in the right direction to a loan officer who would be able to assist me in refinancing my loan, helping me cut the interest in half.

You may hire licensed contractors, but most-often the workers are illegals from three countries I will mention (Honduras, El salvador and Guatemala) and attorneys are constantly sending workers emails telling them to visit their office because there just may be something they can sue you and there boss for.

Throw these people out of office immediately!

Looked up the address the buyer chose, and realized it's one of those virtual mail offices if you don't want people to know where you live.

Call you local zoning or code enforcement office to find out for sure.

I want to preface this by saying you should definitely speak with your loan officer about this or start looking for one who's well versed in owner-occupied investment strategies. 

Loopnet.com has some interesting properties and I love to see what is for sale in my area, but I think I've been looking at loopnet for about 20 years and never ever found a property that was price so I (not my broker) could make a profit.The best way to find a property where you can make the best profit is by putting on some comfortable shoes and literally walk like a real man, unannounced, directly into real estate offices, make it very clear that you are INVESTING FOR DOLLARS, ask what they have for sale and they almost always have what is called 'Pocket Listings' that are properties their good clients want to sell, but they don't want to put the property on an MLS service for some reasons, or they want to see if they can sell the property, first, and then list it on MLS.Most often, the brokers pull something out and then comes the really hard part.

If it's zoned/permitted residential, and the bottom floor is just being "used" as an office, but its really an apartment, then traditional financing since it's 4 units and under. 

For example: The following personal property shall be conveyed by Bill of Sale for the property known as __________________Then list what is included in the sale (this can be done during your due diligence period, but to be signed at closing by both buyer and seller)The mobile homes: Cavco 14x64 Model XXX, office equipment like the computer, printer, desks, file cabinets, landscaping equipment like: John Deere Serial/Model XXX, EZ Go Golf Cart Model XXX, landscaping tools and equipment, stoves, fridges, freezers, patio and dining hall furniture, etc.