Private lenders generally have fewer restrictions, a faster process, and can structure loans based on the property’s value rather than just personal income. 

It is DSCR based and no personal tax returns are required to qualify.

Quote from @Andrew Steffens: I would follow the advice above to see if you can improve seated comfort but short of that I would not go and replace, at least not yet.  4 stars is good and it seems you will get more 5 stars based on 2 previous to bring it up. 

My wife and I are investors based in Santa Barbara and have had Croatia in our sites for a few years.

Pay the bill yourself, then reimburse yourself by charging the tenants based on a formula.

Feel free to reach out, and I can share some recommendations based on your project

This particular commercial property value is going to be based primarily on the income it can generate (actual or projected) to the buyer.

DM me, and I’ll point you in the right direction based on your specific goals!

When it comes to finding properties, AI tools like PropStream and DealMachine automate searches for investment opportunities based on specific criteria. 

You are in a great place to learn based on the successes and failures that many have had.