I have a few contacts for independent insurance brokers that can look at some different market places to get better pricing.  

I would love to connect, I am a certified business coach and business broker based in Utah. 

Sorry, but real estate must be your profession.If you are brokering to others, an affiliate, or a correspondent, then none of this matters.

Given their size, I’m sure the broker of record has little oversight over the staff.

If you are able to successfully conclude a trade without the use of an intermediary, such as a broker, you of course save the brokers commission.  

Just my 2 cents on condos, as a PM and broker in FL:1 - Most do not work, whether restrictions on lease duration, or due to the numbers because HOA fees cause low ROI.2 - Check rules in your state to make sure you are grandfathered in case HOA changes the rules.3 - Most SFR do better than MF not just because of HOA but also because there are low barrier to entry for 1,2, even 3 bedroom units. 

Best best is to call a broker and they should be able to tell you what to do.

You should consult with a mortgage broker or lender now so you know how to maximize the LTV on the refinance.

For example: 50 years ago a brother and sister sell a property BUT ONLY the broker signs the deed at closing.

I'm not selling anything and I am using cash value permanent life insurance and recommend it to my fellow investors.Then no one promotes mortgage except mortgage brokers, no one promotes real estate except real estate agents, no one promotes syndication except syndicators...