Conventional route would work for your 4-unit plan, you on't have to worry about a self-sufficency test going that route like you would with FHA.

Run owner reports.After testing a few apps, one of them should stand out for you.

I maxed out all my PT tests in the Army.

The dig out is not horrible, but you will need to dig some test pits to see how far you foundation goes.

I have not tested this theory yet, but I figure it will get people's attention better if they have an idea as to what they might be able to sell for. 

Run owner reports.After testing a few apps, one should stand out for you.

They had a separate test done by another company which also detected some mold.

I have met with sea wall contractors, done a full home inspection and met with another structural engineer and seawall professional that did an inspection and performed soil density tests around the property.

we have until spring of 2025 until our balloon loan either has to be refinanced or paid off (we got this loan because we intended to build, of course) and now i feel like it's a ticking time bomb.we conducted "clean and satisfactory" (no issues whatsoever to build) soil and foundation tests and provided those to every buyer. it seemed (not quite sure here) like they backed out once they reviewed the tests - yet there is nothing negative in them. we will not be providing these tests moving forward (as we had to do them ourselves and feel that each buyer should do their due diligence moving forward!)

Now is not the time to “test the market” with an ambitious price to “see what happens.”