Lot is 75k, which includes all of the work the sellers have already completed in addition to all of the custom windows & sliding glass door for the proposed home.

You will have to go to the bank and ask.Which asking what they normally need is a good first step.Make proposals, make it look nice.

And people give waaaay more thought to applying for a mortgage than they do applying for a rental.As a softer version of this proposed draconian law would be to simply require the rental apps to say "sources of income (child support, disability benefits, etc)" rather than "monthly job income."

Proposing carpeting should be one of those proposals to resolve the violation. 

That leads to "hoarding cash" either in a checking account or in equity, because rule #1 of investing is don't lose capital.So I propose an Option D: Invest $100 in something you think is worth $120, but was worth $100 and it corrects to $75; you still get a 6% return, but now you need to pay to add value, which gets you to $100.

As for government grants, I have been working on putting together a grant proposal.

Magdalena, I would say, let get to my website, apply and if you do not like the rates then turn it down - but I will promise you that we will not run your credit until you agree with our proposal. 

Its 3x 3/2's and 1x 2/2My question is what concerns/ complications/ cons does this propose, if any? 

Basically, I took this as the ability to use the cash flow to offer a good return on a potential investment of XXXXXXX dollars + the balance of the existing mortgage would = the proposed cost of the building.

@Antoine Martel  Could you provide some specifics on how you structure packages that you propose to investors?