Shortly after finding that my note was separated from the mortgage and sold to Fannie Mae I started doing some digging and came across this very info you're mentioning.

And you're right, it moves fast when the value-creation chain is created on both sides of the transaction.

Then separately I calculated the appreciation against each home value observation in the ZHVI dataset against its value 10 years earlier for each month.

If you want to quote out high efficiency boilers for six Tripple deckers for example requiring installation of separate gas, meters etc. etc. - that might be a situation where you would want to work with a contractor directly because you would have lots of different options with widely varying costs.

Why do you need 15 people to move forward ?

However, they all require separate applications to even get an estimate.

It can just be held in a savings account, no special account needed, but I always keep mine in an account separate from anything else.

You can do this without bankruptcy and if you continue those new habits you can move on to buying an investment.

If you go to sell the business, but want to keep the land and lease it to the business, I would then separate them at that time. 

I see two separate issues.1.