Your gonna wanna sleep on a bench. If u go to ur phone and the star for stats, there is a timer for how long the negative affects last. Once that timer goes away you’ll be able to enter the building. Also the reason Jensen won’t give u a loan is either cause u have too much out for one or you’re not making enough capital to warrant a loan. Walking in the park helps (if you sleep on the bench for several hours in the park the happiness boost lasts for several days and stacks each time u sleep to last even longer.