As a licensed contractor, I’ve seen how navigating these details can make or break a project.

Include them even though they aren’t your competition. 

luxury cabin, 3100', 4/3/1, nice finishes including spa and sauna, in high fire risk area with total property value ~$500k with CA FAIR was just over $5K fire only. 

Other nodes include Georgetown and northeast Austin near Manor.

We'll double check that wind is included in our policy, that's a good point.

It may be easier to include utilities in the rent.

Also many other Counties in non-covered States also include it. 

This also costs 200-300 EUR depending on what's included.

Get Familiar with Financing: Educate yourself about different financing options available for commercial properties, including conventional loans, hard money lenders, or seller financing.

Quote from @Beth Johnson: We pass all loan servicing charges through to the borrower including set-up fee, monthly fees, and any servicing charges such as payoff demand generation, and loan close out fees.