I have lived in Santa Fe for 5 years and am plugged into the commercial RE market as a full-time investor. 

This ensures you have a proof of concept to show the commercial appraiser.  

Have you bought commercial multi out-of-state before?

The 4% and 6% rates are just the names given to differentiate commercial and owner-occupied.The 6% rate is obviously significantly high, but it's fairly average nationally.

For C to B-Larger developments announced nearby-Increased activity in new construction-Building of commercial retail in or near the neighborhood. 

I just listed my last property for sale, a fourplex in Pocatello, because now I focus more on commercial RE and syndications to be a true passive investor and not deal with tenants and repairs.

They wrote me Commercial policies with high limits....only $100 mo roughly, never had a problem.I would just ask the company that handles your current home's insurance....some will do STR insurance, some won't.

In my case, I have residential rentals in one LLC, commercial properties in another, self storage in a third, and my real estate company operates in a fourth.

Investment Info:Retail commercial investment investment.

I do have experience working in Mortgage Processing and more recently Commercial Underwriting, so if anyone has questions in those areas I would be happy to help any way I can!