Happy to help you as you have specific questions.

I mean in general what sort of expert should I try finding first, but if someone has specific people in mind who deal with the UP that works for me too.

@Jeff Shaver There is no specific statutory time frame before you can do a cash out refi after completing a 1031 exchange.

You haven't provided enough information on that to allow specific advice.If you purchased the property in 2020 you should still be at a good interest rate (assuming a 5 year balloon ARM).

Quote from @Chris Seveney: @Francisco AvancenaThere are specific lenders who will do land dealsBut of course not as many as traditional real estate.The key will be skin in the game - typically for land because it is less liquid than a home the lender will want to have a lower ltv on the deal I fund land flippers currently in  CO FLA WA ID MT NV AZ OR TX SC GA VA  one thing about land though LTV is lower and RATES are NOT the same as typical HML rates are higher for raw land but its a specialty niche and a business that I grew up in..

Got property specific PoA.

Cities don't play fair when they decide to go after you.One thing I would also suggest you do is look on AirBnB for the specific building you want to buy in. 

Specifically here, I've considered a few of the things that you both brought up, but the word "average" has a very specific meaning...

For us, the only time we pay contractors upfront is when it is for really specific jobs like full HVAC and full Electrical jobs, and these are somewhat large companies with vans and trucks, so we know that these guys aren't running anywhere with our $3k upfront payment. 

my question is specific towards obtaining a mortgage in BC Canada.