Mr$.$ Smith acquired a property consisting of one acre of land plus a two$-$story building. He purchased the property five years ago for $$100,000.$ He also obtained an $$80,000$ mortgage loan from ACE Bank to provide financing to complete the purchase. This year, Mr$.$ Smith constructed another building on the same property with his own funds at a cost of $$20,000.$ Mr$.$ Smith has decided after completing the bulding to approach Duce Bank to borrow and mortgage the new bullding with a $$16,000$ loan. Is Duce Bank likely to provide the $$16,000$ in financing? What other options may Mr$.$Smith have to consider?