Cash-Out Refinance Estimated Fees (Need Lender's Insight!)

[Kevin Masse]

I'm in the process of doing a Cash-Out Refinance of my STR in St. Pete. Beach, FL. I've gotten estimated terms and fees, but at this point in the process the fees are only broken out to Lender Fee and Settlement Fee. The Lender fee seems pretty high considering no appraisal is required, plus there is already title insurance for the property. I'm looking for clarity on the specific lender services (other than processing) required for a cash-out refinance and what the settlement fee is? If I'm planning on buying another property with the cash, could I refinance and purchase another property at the same time to avoid requiring the cash and avoid the settlement fee? Thanks in advance!