Total tangent here. Since SL's are not dischargeable via banktuptcy, but real estate loans are, I've always wondered about the scenario of buying property, fixing it up, or just waiting for it to appreciate, refinancing to get enough to pay off the SL's, then walking away from the property. Voila! No more SL's. If something like this is possible, then lenders are going to look at your situation with beady eyes.
Congrats on thinking outside the box with the commercial property, BTW