Commercial rates will follow as they lower their overnight rates as SOFR usually tends to follow. 

If not, then you have to rely on appreciation, and the high desert towns don't tend to experience the high appreciation like the bigger cities of California.I wrote this article awhile ago about Palmdale.

This is how the PM business tends to work. 

I’ve noticed that credit unions tend to have slightly better interest rates since they typically are not for profit whereas a normal bank or broker is.

Raised foundations tend to be easier to add bathrooms because plumbing can be moved under the house such as from an existing laundry room.

That way you can turn around and do a sale lease back on the building, recapture your capitol and execute essentially a BRRRR  with your own business and property.Generally though many properties that will be the ideal locations for a restaurant will likely not be available for sale, they tend to be ideal single tenant free standing buildings that are quite desirable and have many end users that would be interested.Something you don't want to do in this situation is to make sacrifices on the location/market of your restaurant just to purchase the property. 

I tend to ramble but thoughts keep coming up.

These situations when you hear about them tend to turn out where someone is living at the house, and someone getting accosted.

The second was a Women’s Real Estate Program that I was given an Advisor and a Consultant that would work me through the program.

If you are just driving by daily to make sure I haven't burn down your house, I tend to think this is a bit much.