Loading are different wether it's a guest or the owner loading the condo.
For the owner, every set of items instantly appear successively.
For the guests, each and every single items pop-up individually.
So it's usually (way) longer for guests to load in my condo. Now it may depends on your bandwith or other settings, idk.
As for me, when I load my condo, the game freezes about a minute doing nothing, until the items number loading appears in the top left corner. Then, it takes 20 sec to load everything (textures included)