Where another issue arrises is I recently quit my job after becoming pregnant as they would not cover my maternity while overseas, my husband is employed however he works for a UK company and is British so would be unlikely to help us with the situation in the US.

I'm wondering if, since the plots are connected, I can move some of the square feet from the larger one, so that they're both over the "6,500 square feet for lots of record" threshold.

Expect to pay a slightly higher rate and make a larger down payment than what you see on lender's websites with regard to their rates, points and LTVs.

And some expensive ones for larger operations.

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.

I'm curious, have you run into any insurance issues? 

However, if you want long-term stability and predictable payments, refinancing might be a better option, especially for larger projects.

issued guidance saying that you can use LLCs if you get approved to do so.

I tend to agree and don't think it will be an issue.

But if its not related to that type of water damage, the other questions ask about present tense issues, and not past issues.