We're largely looking at value add projects (aka BRRRR **cringe**) so that the vast majority of capital is coming out once a refi is done.Not vanilla, obviously.

-My fiancée and I are planning on having our first kid by the beginning of 2026, so extra room would be ideal as we are somewhat limited in the primary residence. 

At the very least, I would request a refund of the original application fee as the City made a mistake causing you to have to submit again.  

I would bring up the occupancy with the caseworker in case they are not informed.

It may sound nice to pay a 6% management fee but the extra fees can add up to be more than the other company that charges 10% with no additional fees.

Yes the loan would be secured by the land initially and then everything affixed to the land as you develop it.  

If you did finance some of the purchase using a non-recourse loan, then you need to read up on UBTI/UDFI and there are some taxation benefits that the IRA can achieve since it now owes taxes in that scenario.

It recently shot up last year.

Good luck, and keep up the good work! 

The auctions, although online now, are live foreclosure auctions, i.e. the auction style sale which is the culmination of the foreclosure process.