Our partner lives in North Dakota, the STR is likely to be in Florida (I plan to shop after BPCon 2023) but we are planning for the LLC to be in CA due to their fee collection. 

I'd recommend shopping local since local HMLs would be more likely to fund your deal.

It seems that the ones formed 2012-15 are in a safer place.

We'll see PT stocking(at major shops) increase as we head into the holidays, I'm curious the amount of jobs versus previous years.In regards to how they coin it, it'll be things like light turbulence, a little hiccup, etc.

most insurance carriers are middle men who broker a connection to a construction policy carrier and add 10% on top for themselves. the key is to find an insurance broker that the construction policy company pays to derive business for them so you get your policy at cost and will help shop with multiple providers to get you the most competitive terms 

Also I would shop for whatever new furniture is needed, work on landscaping, etc.

When we last did major shopping around, did use a broker (McClone Insurance in Madison which used to be the Neckerman Agency if you are in the area and recall that name). 

Waiting too long to refinance can also leave you with less favorable market conditions.Neglecting to Build Relationships with Lenders:Many investors assume refinancing will be easy, but without building good relationships with lenders or shopping around for the best terms, you could end up with a deal that doesn’t work for your investment goals.Ignoring Cash Flow:Some investors get caught up in the equity gains and forget about cash flow.

Secondly, I would shop lenders using the Find a Lender function on BP.

Mom and Pop shops are not that great at accounting and the numbers tend to look like they can't afford to live so take that in to account plus the operations they are doing.