If you suggesting that winter is causing insurance to be higher, two things: the last years or see we call it brown grass season here in Milwaukee, because we don't get much snow anymore.

Hey Eli, hope you've been able to find a reputable company, but I can PM some suggestions over as well if you still need some.

I would call around to as many lenders as you can and just find one that you feel is the best fit and communicates well with you.

I’ve put a bit of money into the building and it has appreciated quite well.

By making targeted upgrades and ensuring the property was well-maintained, I was able to enhance its appeal to prospective tenants, thereby increasing occupancy rates and rental income.

I am looking at the white mountain area as well!

My mortgage was sold to another institution last year and it seems like they handle escrow differently.

I see you're a contractor as well as a real estate agent, are you still active on the building side? 

Mortgage rates started to drop last week and they are looking much better as they trend down.

I know that market very well but it would be easier to help you if you have more precise questions and also if we know what your objectives are.