My assumption was that this was our way to work around using a bridge execution early on, but correct me if I am wrong here.

This is incredibly common in Philadelphia's market if you don't invest in the correct neighborhoods.  

It is also why such neighborhoods are most likely to appreciate because those who own properties in these neighborhoods are on the correct side of the supply/demand equation.Since your post is focused on Philadelphia, the city has good fundamentals...strong Ed's & Med's, good accessibility to both NYC & DC, own port, international airport etc.

Obviously, they should use the correct type of paint when they do it.

Asking in the correct forum will get a better response.Need a spreadsheet or form?

From your post you said that there is more than one unit on the third floor, correct?

@Nevin Wilkie, as noted, if you already closed on a conventional loan, your lender is correct that any change in ownership can cause the loan to become due immediately.There are a few options:First, most risk of being sued comes from you being a bad person.  

If I'm understanding you correctly you only want to actually buy the house for $184K, but you want to use a gift of equity from your daughter as the down payment.

You just plan to sell lots, correct and not build?  

Give the tenant a written warning and demand they keep the dog quite with a bark collar or some other technique.