Quote from @Zachary Engen: Ive read a few things about onlying being able to cash out refinance 75% or the purchase +closing costs, whichever is lower.

Staying at flamingo island using Marriott points and Hyatt casino using Hyatt points flying business with AF flying blue to Paris in Mag with my wife and 2 kids 45k points each leg, staying at an Airbnb paid cash and in Budapest at the W wirh 6 night cerficatesgoing to Italy in September flying economy in Iberia for 4 people, 25k Alaska points one way ($1000 per person when i checked) staying at the grand Victoria hotel in lake comp with my 3 night Hilton verticales ($1300 per night value) still planning the return and the rest of the trip

Since it’s the largest home in the neighborhood, that can be a bit of a challenge, but you can turn that to your advantage with the right strategy.First, consider tweaking the price slightly—either lowering it a bit more to attract attention or pricing it closer to the higher end if you’re targeting buyers who value the upgrades and space.

I had doubts and still have some but now it sounds like those may have been necessary for their loan program after learning why it's a lower risk and FDIC insured requires that. 

The lower entry costs compared to other markets, plus lower taxes, make it great for consistent cash flow.

This affords us excellent cash flow and lower maintenance on a 3-5 year commercial lease.

Given this is where my major operating expenses fell (beyond taxes and insurance), keeping this cost lower, by average, helps my cash flow.I invest in older neighborhoods, so the 2-4 unit properties, typically have single water meter, maybe single electric, and many have radiator heat with a single boiler.  

A new build should require much lower maintenance expense vs a 100 year old home.Hope this helps.

This would lower your down payment requirements, lower your interest rate, lower your property taxes, and MAY make you exempt from state income tax.

I’ve had experience with both traditional and private construction loans, and here’s my take:Traditional Lenders: The process can be slower with more paperwork and stringent requirements, but they usually offer lower interest rates.