Are there other options that could be better for a construction to perm loan (not through a traditional bank)???

But unlike going to your bank (and getting your local banks CD rates), with these accounts you can shop CD rates nationwide. 

It’s not necessary to stay local for these services as long as you have online bank statements or a solid way to get them to the bookkeeper.

Even the banking is town or region specific for the same bank.  

So even if you had a buy out agreement negotiated up front and execute that buy out agreement, the bank would still require him to be guarantor unless something drastic changed on your side financially.The best scenario here would be to purchase and rehab the property using a hard money lender or bridge lender.  

Banks like proof the funds were in a bank well before closing. 

That'll help you figure out what direction to aim in before speaking with a bank to figure out how much you can qualify for. 

As mentioned, we "openly and notoriously" record the deed for the world to see so there is no hiding things from the bank (which could be construed as fraud not to mention poses many other risks for creditor liens, etc.) 

I'm still in the process of finding an alternative solution but I thought I'd leave this here as a warning for others looking to make a decision.For reference, I'll just post their email response to me here:As we review your inquiry, we would like to remind you of the following key points from our Terms of Use:In no instance shall ShinePay be liable for any of the following:"Lost revenue from service interruptions.Lost revenue stemming from delays, malfunctions of any product.unauthorized gains access to your account or due to shared passwords or if your password is hacked.Destruction to properly, places, or personal injury resulting from the installation, misinstalling, or misuse of any product.Lost revenue from entering the wrong account number for ACH or other bank transfer or money transfers or due to any delay in receiving funds.Damage to your structure, machines or car resulting from use or installation of our products.Any funds collected that are paid to a person that does not own the property.Any harm from defeating the lock and technology that controls the lock to a device.Failure to properly service any product or machine."

Quote from @Stacy Banks: Hello I wanted to know what does it cost to do foundation & framing for a 1,500sq ft house being built in Lehigh Acres Florida.