Personally we can start before the 6 month date but I have heard multiple customers tell me other lenders have said they cannot start the application until the 6 month date. 

It's far easier to get repeat business from a prior customer than new business from a stranger.

My recommendation is to figure out what's most important to you as a customer.

This is going to sound sacrilege but I think you should get a W-2 job in real estate based on your end game of wanting to be a developer I would look to work for developers, custom builders, surveyors etc.

I built high-end custom modular (e.g. stick built in a factory and shipped) for a significantly cheaper cost per sq foot than it would have cost to build with a local builder.

I have built around  20 homes in the past 2 years all with the exact home plan and  I been doing spec and custom homes my entire life.

What region of NY state are you in and who are your usual customers? 

These markets have been great for our customers.  

Several of my customers have recently closed on a few duplex/2 units in Maricopa.

I’ve had similar customer service problems with Steadily related to how they calculate the premium refund when the policy is canceled early.