I would recommend reaching out to @Denver McClure as he may be able to help with a non-conventional loan

This doesn’t include any raises or bonuses.No kids yet, but we plan to have them down the line.Both of our credit scores are over 800, and we have no debt.The plan:I know sellers don’t always love FHA loans, and they can be tough to get approved for, but I’d like to use one to make this work.

Especially those big deals with loads of equity and loans, they can take forever to close.

Finally, the compact size of tiny homes often results in lower utility costs, further enhancing their affordability and sustainability.

There you will be asked your criteria and then after answering a few questions you will be matched with 3-5 agents or loan officers in your area.

One of the utilities, South West Gas, based in CA, gave me a hard time putting the account into my own name. after several calls, faxing the court-stamped eviction order, verifying my deed through the County, etc,  the operator finally agreed and started to backdate the account change to the beginning of the process!

Depending on your loan it might only work in the STR game.HOA’s normally do not allow in the Oceanside area but if you get on the beach then they do with restrictions.If you want a personal consult let me know.I have a team here in Oceanside, Carlsbad.

Your loan amount would then be 155k - at what 6% or so?

At this point, I simply want to move on and feel the exit interview is a final attempt to have me sign things that I don't agree to.

Does anyone know, or have a good idea, about the difference in returns on entitling & developing the land for each scenario, with final objective to sell to a builder to build and sell the structures him/herself.