First time that I am actually glad that I have to go commercial - rates are actually lower.

This email gives people yet another opportunity to self-select out of the application process based on my expectations and criteria before an actual showing in scheduled. 

In calculating the actual construction loan amount will it be the 50k+construction costs?

Actually, it's the exact opposite.

Applicant credit scores should be treated with a high level of care and should not be handed out when they aren't assured that you are locking them up and taking due care with private and sensitive data.So, many places, including the screening company we used for years before moving to a PM, provide a suitability score rather than the actual credit score. 

You’d be shocked by how little actual screening many PMC’s do!

I've actually enjoyed living in this high-density neighborhood -- more privacy than an apartment or townhome, more social and walkable than a suburb. 

Are they way off, or could they actually be right?

It was actually affordable 2018.

We then use this to compare actuals to throughout the year and normally do a reforecast at the end of Q1 as thing evolve and change.