Avg Appreciation over last 10 yrs in my area: ~8% annually Equity paydown over next 5 yrs based on amortization schedule: ~27kBought home for 400k, appraised at 485k.FHA loan, 30 yr, 5.875% int rate, MIP is $175/mo.Strategy: Date the rate for 4-6 yrs, pray int rates drop to 4-5%, re finance into conventional with LTV less than 80% due to existing equity, take off PMI/MIP, have a lower int rate, and cash flow ~$200-250/mo.Good deal?

If you're set on buying and this is a good asset, what can you do to get a long closing date, so maybe you can get presigned leases to get it filled up before you close. 

Can I do it as an investment property first and move into it at a later date?     

Think of it as dating.

If I were to give up now, I know the thought of an unfinished dream would keep me up at night, I prefer to stay up night due to the excitement of reaching the completion date. 14 hour days, Weekends, Holidays, I'm so hungry nothing is going to stop me, one day everything will be in place and I won't have to work so much but until then I've gotten used to it. 

The headache of going back and forth on the due date and amount sounds like a pain.

Why do you think you need SSN and birth date?

Do they look professional and is everything up to date. 

My highest cash flow to date has been purchasing properties in opportunity zones, then refinancing them after the seasoning period has ended.

They're also happy to commit to whatever your closing date is and blow right through it.