The only thing I've gotten harshly cold to is the car warranty things with the tear-off edges.

We are not dejected and continue to push on but I am looking for some feedback, harsh or positive, on our business model and goals.

Grow some thick skin and don't get involved in tenant drama.

not to sound too harsh however you should never sign an agreement to purchase which you know you cannot fulfill..Within days you'll have to prove the ability to purchase so why waste your and everyone's time.

Sorry to be harsh, but it is really that simple.

Drama.

That too in midwest side where winters can be harsh?

Not trying to be harsh, but rather practical so I can save you some headaches down the line.

Combining the loans isn't likely to yield any savings, and more likely would cause additional problems (commercial/business loans have more "harsh" terms than residential). 

Looking for a licensed contractor who can do the job well with no drama for a fair investor's price.