So I'm looking for any insight I can get on navigating the next phase!

They typically have access to more products and some are more creative than others when navigating you through the approval process. 

Since you have so many conventional they should be able to help you navigate the best solution for you.

Go to this site and type in the search bar "unlicensed real estate broker":  https://www.idfpr.com/profs/REALEST.asp# and read the cease and desist orders for yourself. 

I am trying to navigate this process as best and as transparent as possible without being hit with more fees in the refinance.

They will help you navigate the rules which can be pretty stringent and inflexible.

We are looking for some help (consultant structure or otherwise) in navigating the noisy world of online CRE property intelligence data sites.

Technically, you can draw up a contract any way you like if you aren't licensed (at least in NC)...You may be able to check your state's BAR website as they may have standard forms you can use. 

The main drawback with cozy is that they don’t have an app- so you have to navigate a website on your phone and they want to like triple authenticate every sign in.

And for anyone that might have had an interest, but didn't file legal suit within those 120 days, they are then barred by law and statue in Iowa from challenging my ownership in the property.