Separately I have a personal umbrella policy.  

Private Money is simply money from a non-institutional source...such as someone lending out of their personal IRA or from their savings. 

The decisions and actions you make today can lead to incredible long-term benefits, so it's great that you're starting now.A good starting point is connecting with a lender that aligns with your goals.

Office space is gutsy at this time with many companies working remotely, maybe part of your investment was to bet that people will be coming back to work in person.  

I personally would recommend it but it isnt the best run 3 day. 

I don't see any sense of urgency from you, so no one adjudicating this case would either, or end up taking any action!

She is not in a position to lend a personal loan to me. 

Until you’re more established I would recommend waiting and saving to make a purchase.

Some regional cities that I personally would consider are Savannah, Beaufort, Wilmington, Columbia, Greenville, and Charlotte.

All I can say is that when an investor is the person who's doing the job that a real estate broker is commissioned to do, per state law, that's brokering without a license, which is no bueno and shouldn't be allowed.