That is not unusually bad for SFH in San Diego, but it is bad for investment purchases. 

Has the VA ever declined financing last minute or taken an unusually long period of time to close?

Around here if something is priced right, generally you will have multiple offers the first week, and over 45 days DOM is unusual.  

At the same time, your entire  description of your situation sounds very unusual and full of potential red flags.No reputable crowdfunding platform would require you bring a check to the closing.  

Our buyers close at the same sitting, but we may be a bit unusual there. 

Attorney for a regular, nothing unusual residential closing in NJ is probably around $1,200.

Please correct me if I misread, but I just wanted to clarify that it would be unusual for this occur as many private and hard money lenders have a requirement that they are the first lien-holder on the property (in other words their lien is the first one recorded in the property records and above all else).

You'll ultimately make a decision that best suits your needs/goals, but I will say that if you are leaning towards going back into the workforce, the sooner you do, the less likely it is that you'll get the 3rd degree from the underwriter.Best,In today's economy, employment gaps in excess of a year are not at all unusual.

They don't like "Different" or "Unusual" and most of them see investor clients as more work for the same amount of pay.

I'm paying a bit more than 70% ARV and I haven't been able to get anything in past two weeks, which is unusual for December.