My stepmother, rented the commercial space from the past landlord to open a coffee shop.

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. 

While there are a lot of people window shopping, those actually buying are far and few between from what we are seeing right now.

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

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 

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.

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). 

Classic american folks that think life does not apply to them.We're more than willing to help, **** I got no service to sell and nothing to offer.

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