How much does it cost to set up a coffee shop in a strip mall/plaza type place?

I want to open up a coffee shop and I would like to know how much $ you need upfront for building, etc. and what is considered a cheap lease vs. an expensive one (I know it's based on location, but how do you know when you've got a good deal or when you're getting ripped off?). Also, do I need to currently have a job in order to get a small business loan? Any suggestions? Thanks!