Clients and friends expect doctors and lawyers to have all the fancy toys and club memberships.

So, realizing I'm still waiting on some information, I'm toying with my options.

If he tells his banker he is selling with the intent to move in the bank makes the decision as to yes or no on the loan.Making the statement "I could stay for a month and then decide to move."

I did start out with an FHA however I have been toying with refinancing as it the market has done fairly well here and the home value has increased enough to drop the MIP off as the value to loan has reached the 80% mark.

And quite frankly as someone with children and hopefully grand children and causes I want to support with a legacy after I'm gone -  these are strategies I encourage in my own behavior and other as opposed to a philosophy of "who dies with the most toys wins". 

If I'm understanding your question, I will sometime advise my clients to include statement indicating they will beat any offer by X amount up to Y amount, requiring some form of disclosure about said offer.

They were toying with the idea of cutting the basement floor, replacing that portion, then near the foundation, pushing another pipe through the cracked pipe out the foundation and to the sidewalk. 

I've toyed with investing in the area b/c I'm familiar with the neighborhoods and head up there so often.

One can pay X for land to build e.g. 60 apartments or pay up to Y to build up to 100 Units?

I bring little toys, for them to play with, or coloring books.