And if anyone says a GC doesn't have nearly as much $ tied up into assets, lol, tell em they couldn't be more wrong, I had way more in tools and equipment then any 2 properties cost whole $ but when factor against just the capital outlay.... my shop and all equipment was roughly 12 if not 15,20 properties worth of "stuff". 

I have never been on a shopping spree like yours in my time on that journey.

I would recommend shopping this because at 66% LTV you should be able to get a rate in the low 7s assuming you have a good FICO score.

Then I would shop locally first - they will have best rates 

It is gated, secure, a larger resort, with hotels, restaurants, shops, scuba, snorkeling, a dolphin encounter, etc.It has a marina and golf course.

.- Close to transit preferred- Close to jobs/shopping

I assume you are only talking to mortgage brokers so they can shop your needs to multiple lenders at once. 

I didn't shop around too much but their business was solely transaction lending so I figure they use the "industry standard" rules.

My husband sees her walking the streets with a shopping cart every now and then.

Amenities and Transportation: What can you tell me about the local amenities, such as shops, parks, or public transportation options?