I have 2 loans - separate borrowers -  on my desk for operating gas station refinancings in Phoenix. Both stations are branded with seasoned operators.  These are owner-operator loans. In both cases I have some flexibility with the structure to accommodate lender requirements.  With 1 of the loans the principals are willing to restructure ownership to provide for an investor-tenant relationship.  Both have compliant UST configurations, and neither have any open ADEQ violations.  Looking for…