You should be asking for any kind of pre-approval letter as well.

I'm trying to stay level-headed and unemotional about it (it's not going to kill my deal regardless), but this doesn't pass the common sense test.  

@Marizel AshbyBelow are the top things I will recommend you focus on if you don't have at least $30,000 in your bank account or you don't have access to that kind of cash from other sources:1.

Kind of hard to see outside the box right now.  

It’s kind of a seasonal area ( close to Delaware River , rafting etc ).There is skiing near by though for winter but the tourism definitely slows down in winter.There are a couple hospitals within 30 minutes though so could be a good option. 

I've never done this when applying for a new card BUT I've found this department to be generally helpful and you may be able to say - Hey Amex, I qualify for this offer for a new card with Discover, I'm a loyal Amex card holder, is there any kind of retention offer you can make me that would come close to this Discover offer.

You can't 1031 from flock into another like kind investment. 

I kind of looked in that area, haven't driven up there to look around. 

Would you be so kind as to summarize?

In a real estate borrowing context it's most commonly used in construction and bridge debt originated by banks.