I'm simply asking a host or a co-host if they are willing to give me the opportunity to learn from them.Thanks, 

Lots of great insight from the folks above.In my experience as an investor and multifamily lender in the twin cities, I would simply say there is no "right" answer.

Ill shoot you a DM I know a great broker there that can help in home selection and contract negotiation, but cannot improve the ROI if it simply isn't there

Maybe if it were more clear that filling out the form means that the client is indeed serious about moving forward as opposed to simply looking.

I simply have a question for someone with first hand experience renting a model home to ryan.  

Every few days to a week a neighbor cleans up the alley in the back of their property and at the curbside in the front of their property because she simply can't stand the sight of the trash they seem to purposely drop.  

The "other structures" were only 10K, while everybody else goes by 10% of the coverage (on 340K coverage of the main structure, you get 34K other structures).The ugly part - much higher deductibles: $5000 general deductible and 3% wind/hail deductible (on a 340K coverage it comes to a whopping $10K+ deductible...makes you understand their "largesse" on unnecessary higher coverage...if they know the rebuilding cost is 250K, they can give you 300K+ because they will not have to pay more than rebuilding cost, but it pushes the deductibles higher).We concluded:1.

Given the details here I'd say no, you should take any development thoughts off the table because to do that is not something one simply learns over night, there is a lot to it. $209k is very cheap for 40 acres, so that offer could be a person interested for hunting land and nothing I'd get excited over, and I wouldn't assume it means anything other than you could sell it for $209k. 

Would refinancing now to simply gain a point (if that) on my current rate affect my ability to carry out one of these other strategies in the next year?

Jeff I did not want to leave you with the impression that this was a bad deal, just simply to say that all deals have their pros and cons.