A small 70 CFM bathroom is insufficient.

We only have 20k/10% to put towards a down payment — would that be insufficient for this type of loan?

Or insufficient funds for short payoff.Scott,I have always told the 2nd, if they want something it has to go on the HUD and that I am shocked they want us, the sellers, etc to do something that can potentially be considered (should I say the f word?)

Well, for me, the biggest problem I had was the lack of Real Estate lingo and an insufficient foundation of Real Estate knowledge.

We found an amazing lake house and negotiated a price but the bank would not finance due to insufficient comps for the house. 

Over the past several years I had learned a ton of usable nutritional information from books like "Wheat Belly" and "Grain Bran" to vastly improve my health, clear up some previous dietary related medical conditions, and shave my body fat down to around 12%.

I did a google search but all it said was US Recommended Daily Allowances (as in nutrition). 

You prefer Credit cards since there is instance notification of insufficient funds, whereas Bank ECH can take up to 5 days to be notified.C. 

Having a 3 month opening in your schedule would be great for something like a rehab project - however keep in mind that you're just getting started (so there's a learning curve) and some projects end up taking more than planned (because of unexpected issues or insufficient planning..etc).It might make sense for you to partner up with someone who's been doing it for a while - it will be a great learning experience especially if you can spend most days @ the site.Another thing I'd recommend doing is seeing how much time you can spend in a regular day on real estate related activities (when you work) .

Regardless of what CA is, there are issues with HUD and compliance at the national level, when state law is insufficient or does not address the intent of the SAFE Act, it will default to the national act, that may be determined by HUD and could be brought up in any future legal concerns.