The things the GOP is bad on mostly just annoy me on principle, but don't directly mess up my life.

There’s no one size fits all of course but I’m looking for something basic to tweak and build off of.

The property price is higher, but with the lower property tax, I'm basically making the same monthly payment as my current primary resident in Ohio!

Obviously that secures my house to the loan, but it would basically keep me from draining my savings account to throw in a 20% down payment.

We can't get another mortgage to move out of the commercial building right now, and year lease rentals are basically non-existent in our area (at least ones that are the size we need).

A glance at an amortization table shows that the majority of early payments are interest and not principle, so his realized capital gains will be very low the first few years as he's making mostly interest income rather than gains.

If it's not, it's possible the client has Basic Form, which excludes Theft. 

I have another 40 acres optioned 160 plus lots and I only have 100k into it controlling a 4 mil property to buy and 8 million value when ready for build out.. so that's a pretty sweet use of 100k.. 100K tieing up lots are worth 140k each so basically right now 100k controlling a 20 mil at lot value and another 10 mil in build profit.. 

Do I let it go to voicemail so I can get more details, or will that basically give up the lead?

A simple interest calculation is PxR/T (the principle of 70% of $700,000.00 is .7 x $700,000 = $490,000 x .0435=$20,825 per year.