William, to my knowledge, you'd need to go to a lender that may provide an insured loan, I don't believe you can go directly to an insurer and get a policy of some kind and take that to a lender.Usually, commercial lenders only require it when a deal is over 80% LTV and on much bigger projects like a mall or large hotel, maybe 300 apartments.Since there are different types of coverage the underwriting will be different, specific to the deal.

@Ronnie Sparrow there are two kinds of due diligence you need to doFinancial due diligencePhysical Due Diligence The first one is to determine if this is a good deal.

They kind of sneak that in without saying "pre-payment penalty". :)

What kind of Cafe do you run?

Try seeing if there's a BNI group or maybe check out your local Chamber of Commerce, that kind of thing.

There is all kinds of business out there so you choose what you will stand for or you will fall for anything.

I have worked in corporate America for exactly 20 years after getting my B.S. in Computer Science in 1993 from Western Illinois University.

I definitely want to stay within budget and doing those kind of things add value without breaking the bank.

My favourite kind of tenant ...

Many, even most (but not all) realtors are not going to take kindly to low-ball offers from individuals that are bring buyers to pay more for a property and cut them out of a greater commission.Third, buyers can get access to MLS listings (including REO) though other agents and online sources.