As mentioned above, the builder is just going to complete any necessary corrective work as part of their pre-close punchlist.Here is an exact quote from one of my builders (49-unit townhome project) from a couple of weeks ago on the topic of third-party inspections:"•We will solve items that fall under the category of our Fit and Finish Warranty or any life-safety issues •Cosmetic or "recommended" items from the inspector may not be considered and are subject to Builder review and discretion."

-Any issues or advantages you encountered with using a HELOC in this way.

Most of the industry (as well as lending and banking world) will stand behind any carrier with an "A" rating or better.Non-admitted carriers have some great advantages. 

You need to really understand the risks and align yourself with smart people/teams that aren't just looking to take advantage of your ignorance.

The key is FULL DISCLOSURE - so that everyone understands the risks, the ways to mitigate some of the risk, and the advantageous to be gained.  

You definitely need professionals with their ear to the ground to know how to take advantage of those changes instead of being caught in them.

That way they can take advantage of the $500k personal residence exclusion.

While buying with cash provided some advantages, it tied up a significant amount of capital that could have been used elsewhere.

I thought I have been providing enough assistance to help with the situation but it seems that she now tries to take advantage of me.

Are there any advantages to it as a borrower/lender?