The build cost would be a little higher because i would use foam in the exterior walls and also use insulation in the interior walls for energy saving and sound dampining.

If anyone is concerned about the Due on Sale because of interest rates being higher, look who owns the loan and who the servicer is, I hear often people saying that the Bank will call low interest loans just to get a higher interest, the money from the mortgage is from a hedge fund or a Government back mortgage (gets deeper but just as an example), I would never see any other money provider just targeting Subject to's for the sake of the deed changing names.If someone is concerned about the DOS Clause then they need to convert that energy into education.

You can show a packet to the mayor of the city, and they'll focus on a 3d picture of the development rather than 10 bullet points on how it will increase affordable housing supply. 

You get a pie chart of income and expense breakdowns and then you can open up the bullets to the expense or income categories and it is further broken down as far as you have decided to enter categories for your data.Best I found is, this was a 30 day free trial and I just looked to check, it is currently listed as $119 a year. 

Also consider that green energy is not universally accepted.

That equates to lost time, money and energy.  

I went with my gut and dodged a bullet here since we skipped buying the property.

And it takes zero time and energy to invest in the market.

Something problematic they find that was undisclosed on your application (not saying you'd do this, just giving an example), title issues, entity issues, issues with the appraisal even if the value is acceptable...you can either bite the bullet and pay for the appraisal, don't move forward with the loan, or try and find a HML/PML willing to lend to you without an appraisal. 

Sorry I was not able to give you a silver bullet for your problems, but this is the reality of the situation.