The two walls that I had issues with under the dry wall are brick so I'm thinking of exposing the brick since that's in style, cleaning the brick, patching up the missing mortar and painting it with a water proof white paint.

Otherwise you'll be shopping lenders to get what you want. 

Also, buying in the Winter can save you money so your timing is good as long as you don't mind shopping in the cold dark nights.

So decent roof, trim and railings, floors, walls, doors, windows, no peeling paint. 

Replaced the back porch/deck, painted inside and outside, put new carpet in it, added raised planter boxes and added plants around the front of the house.

@Miguel Bautista Shop around.

Commercial spaces are approximately 1000 sq ft each, downtown, great location, high visibility, lots of shopping, barbers, salons, attorneys, etc in the area.

Here are just a few examples: missing handrails, no gutters or broken gutters, exposed subfloor, exposed wiring, insufficient heating elements, dry rot, mold, water damage, rotting or leaking window sills and trim, appliances that don't work, deck and fence in disrepair, wet basements, peeling paint, roof over 20 years old could get called out.Hope this helps and best of luck to you!

Should we shop around to other banks?

I would certainly make sure one of them is an independent agent who can shop multiple markets and many different options on your behalf.