Did we make the right choice not to give an extension? 

Who’s accountable when the result is based on any combination of purchase price, managing contractors, design choices, market forces, blind luck, etc.?

House hacking your primary home and repeating the process every year or two is the easiest and safest way to build long term wealth through time. 

We were about to close on a refi locking in a 2.5% 30 year fixed and pulled the plug at the last minute to switch to the All in One, but the lender pretty much told me why I was making a poor choice, so this is very affirming.

However, if you lose a few days or a week or more, you can easily lose good applicants - so contacting people directly is definitely safest.

Your choices are limited since there is only a handful list of lenders who offer such loans, but it is sufficient.

With my background as an electrical contractor, flipping seems like a natural choice, however, I'm also interested in BRRRR as I'd like to hold some properties and rent them out.

But here's where it changes: The definition specifies that "The choice of specific adults comprising the single non-profit housekeeping unit is determined by the members of such housekeeping unit rather than by a landlord, property manager, or other third party."

However, as an international investor, I have choices and I'll put my money where it's treated best.

10 yr down 70bips in 4 weeks, 20 just today, and if Sahm rule violation/longest inverted yield curve ever/and M2 - 4% drawdown all have >95% correlations each with near term Recessions, then maybe long bonds may be safest place to be for a while.