If you play your cards right, you can have the permit submission package ready for submission the week after Closing.

It seems like they all want to charge for ACH and Credit Card Payments. 

Send them thank you and Christmas card for leaving.

Building will not be in the cards for those prices and land opportunities right now.

One option is to pay down any existing debts (credit cards, car loans, etc.) to free up income capacity.

Maybe paying off credit card debt or other debt on your report to reduce the minimum payments, increasing the downpayment, finding a house that doesnt require HOA or flood insurance (if applicable), etc.

Sign up for their card and save another 10% or something. 

ACH transfers are free, but if a tenant wants to pay with a credit card they will get charged a fee.

my research shows 2.99% fee with Debit or Credit card to tenant if they pay use these forms of payment.

Supercharger system is far and away best system out there.. there is no POS charge system its on your credit card and automatically billed.. my first 3 Teslas were grandfathered in and I NEVER paid to charge however all the early buyers still get the free charging.