I am hoping to meet with someone in my area later this week and discuss all options that may be available to us in our local area for now, in regards to our current situation, financing options, and properties in the area. 

Review your docs to see exactly what the Lender's execution options are. 

But I am keeping my options open with the central AC unit. 

What other options do I have to sell it separately?  

They marked X optional for EM.

Consider beginning with a Regus office to manage initial costs, and as your business expands, explore other office space options.

I'll also want to have the option of refinancing if rates drop.

Best options would be a local hard money or private money lender.

Are there any free options or low cost options that someone knows about.

I’ve talked to a couple mortgage folks and haven’t gotten any great options yet.