As you know, it is a personal choice but overall, they are doing well. 

I respect architects but they often don't know and/or don't care about the cost of doing things one way vs. another or how a simple choice can have an outsized impact on your budget.

Brevard County further south may be a better choice but not without local knowledge. 

Cash buyers are stepping back, with a 14.8% decrease, but the 57.6% surge in inventory means buyers have more choices than ever.

I would recommend negotiating performance-based bonuses rather than commissions, ensuring that their focus aligns with your revenue strategy.Given that you are looking to expand your property with an in-house store and unique theme, a property manager focused on tailored guest experiences rather than just bookings would be more beneficial.

Well if its from a bank you do not have any choice.

Her choice. 

If you think you could achieve higher returns by reinvesting that equity elsewhere, selling might be the better choice.

I believe the buy and hold strategy is a great and beneficial one.

Cash value life insurance can serve a purpose but it is not an apples to apples comparison and if you are going to have to make a choice based on your fact pattern you would go with the retirement plan.