Would you rather set it and forget it and not need to refi again or rather take advantage of low/no closing costs on this loan and plan to be more aggressive on your rate at the time of your refi?

At which point our evaluation should rise on the community for closer to $4,000,000.00 Lessons learned?

It is my understanding that the new owner will have the house at the cost basis of my purchase price, for calculating capital gains taxes or depreciation.For gift tax purposes for you - FMV.For capital gain tax purposes for the recipient - your original basis/purchase price 

I have done it successfully on my last 2 buildouts, maybe 3, but only because I was able to acquire the properties at a very low price and I did all the work in-house (myself and some hired hands on staff).

Another thought, with you being in construction, at some point you might want to look at building homes or multi families.

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Then if you want to send an emil through there system its another .08c now we are at .32 to send 1 email and have the basic contact info. if you want to send emails to 1000 leads on top of the free 250 thats an additional $320 + $110 for the solo account.

Looking at a multifamily in NJ that is currently rent-controlled.

At the very least, I would request a refund of the original application fee as the City made a mistake causing you to have to submit again.  

I mean if a seller has any real estate knowledge at all isn’t he going to realize that earnest money that is returnable to the buyer for any reason at all at any time isn’t really earnest money?