The home and lot must be taxable together as real property.

Maybe a slightly lower paper return, but a lot less risk

Remember, if the numbers don't work at the asking price, offer a lower number that does work. 

Even if you do have a low CTR rate cause you are in these lower positions, the idea is the more auctions you show up on the more chances you have of getting clicks and spending that full budget.Contrary to popular belief, which is just showing up #1 for every keyword, statistically speaking if you only show a couple of times in those high positions you end up getting 1 click and lets say you have a 4% conversation rate your going to have to get a lot of those really expensive clicks in order to get a conversion but if your bidding at a fraction of the rate your going to get a lot more traffic.

Building lower to median income type apartments the rents per door just do not make it feasible in most cases for new properties.It can be faster and cheaper per sq ft to update and turn an older existing building to improve rents for lower to middle income type renter properties.

The lender told me that I can refinance after 6 months possibly with 1% lower rate.

You could go to your insurance company and request they lower the replacement cost or increase your deductible... if they don't want to write a policy under those conditions, you can look for another company.

Your PMI is also SIGNIFICANTLY lower on this loan program.   

I understand that rural has the possibility to have lower traffic.

My goal is to have a better product at a slightly lower price.