Not only that, but he might be able to find a loan that fits you.

Financing some value add deals can be a challenge when the value add doesn't fit any standard "model."

It doesn't sound lke they are a good fit with what you offer, so just find someone different that is.

I am a full time fitness coordinator/person trainer in Port St.

Also, I don't believe there is a "one-size-fits-all" answer for your questions. 

In addition to what's been said above, I always suggest working with an insurance broker.Ask about their renewal process and what discounts may be available that not everyone takes advantage of.Discuss what their typical client looks like and review whether you would be a good fit with them or not.  

I found a few websites I like, but i keep running into something that doesn't quite fit us.

UPSTAIRS:  fashion styling retailer M2M, psychiatric office 1 year, OPEN SPACES: 1000 square foot, 5 rooms with receptions area (old dental office), small little single door office (200sq ft), Open space 500sq ft room, electrically fitted for culinary cook kitchen, but could be used for anything. 

Analyze both strategies and find out what fits best for you. 

It depends on how good the coach is and if there is a good fit with your market , your current skills & their knowledge and involvement.