@Terrence StarkTypically the contract to buy the new house would specify that the builder/seller would deliver the type of plans you are referencing.

However, when I requested our EIN the letter stated, "Based on the information received from you or your representative, you must file the following forms by the dates shown.

There are rules to follow!

Over the years the only place I have lost money is the stock market.

As Nathan stated.... you have solid policies and protocols in place and you follow them.

That’s fine but how big is the gain?

I ran the type of numbers I would do for my CFO clients and came up with the following proforma: https://drive.google.com/open?

This is a complicated subject, and I'm not 100% sure I'm following all of your points. 

I don't get the term "DSCR loan"   I mean all loans for 5+ units are based more on the property than the buyer.     

The way I interpret the following policy clause is that so long as the property is defined as other than "VACANT" which is the case when the property is being "constructed, altered or repaired", the 30-day time period and vacant status does not apply in this instance: We do not insure any loss at your premises if your dwelling has been vacant for more than 30 consecutive days immediately before the loss and the declaration page indicates an occupancy other than “VACANT“.