(keep in mind my properties are in San Mateo and have been fully rehab'ed)No offence but Rohnert Park in not exactly the SF bay area to me.

Kinda like getting your driver license.. without knowing the " traffic laws " you may be able to drive ok.. but when you get pulled over by the cops they will explain what traffic offence you did not know your getting the ticket for.. eh ?

The building has 900sqft of office and 1500sqft of shop space with a 1/4 acre of fenced in gravel yard.

As you said, insurance may require a certain type of fence as well. 

Most people lose stupid money on their cars and drive boring kias/hondas (no offence).. 

That's just me - no offence to the players!

And if one states that drug distribution, manufacturing, arson type offences are not acceptable it would be easy to show that that type of activity could destroy property. 

You can always go to a commercial, portfolio or hard money lender and get the rate quoted but it's going to be much higher as soon as you step out of the Fannie/Freddie domain.No offence Max, I feel the same way as you when I'm on the borrowing end of things, even if I know the reality of the business.

@Jennifer McPherson no offence but your attorney is not an attorney that deals with landlords and tenants.

Each PHA has some leeway as to what criminal history they're ok with, other than a list of automatically disqualifying previous offences (like being a sex offender, etc.), but that seems like a much longer list of serious stuff than most would let go.