The only lowers I've ever managed to buy face to face have been at the factory. First Anvil Arms (defunct) then Spike's Tactical. All the others have involved mail-order and transfer fees.Have you tried the local gun shows?
Haven't tried the local gun shows yet, haven't been to one in ages. I know the dedicated gun store that's not really nearby has them, but I was hoping not to drive incredibly far. I seem to be in a dead zone of actual gun stores and ranges, just Dunham's and Gander Mountains and stuff around.