The Baltimore Reia is really good they have a main event meeting in Towson the third Thursday of every month might be worth a trip out there to check it out.

Given it were a family member or friend loaning the money, as I have a list of them to reach out too, would the bank see any issue with refinancing this loan- or does the main problem with an occupied project fall with the private lender in most cases?

The LLC that I have established will be purchasing the property, which is one of the main reasons (among some others) on why I'm using a hard money lender to get the deal done. 

I’m mainly interested in commercial btw.

You have way more than a night to change your mind but the expectation is that as long as the PSA is keeping with the main terms of the LOI there should not be an issue.

Main bathroom.

My primary focus is to great passive income and too secure Financial freedom so I can enjoy the time I’m given with family and friends.My main focus is buy and hold rentals (single family, and multi units) but wouldn’t be opposed to a fix and flip or wholesale, I personally think having some of both helps with an exit strategy depending on the market.

From a financial perspective, I think the main key is to make sure you are very comfortable with the guarantee of payment you will get.

It’s a storefront retail with residential on the 2nd floor building right on main street.

Special case, I know, but I mention for the purposes of illustration.