@Justin Thind Renting in "D" neighborhoods is exhausting.

Patricia, thanks for your exhaustive explanation.So we have a choice to hire GC to pull permits for us or pull permit as homeowner/builder correct?

I would exhaust all your free options first before making that large of an investment.

They have the background, temperament, and wherewithal to withstand getting wiped out on occasion.

This means when you do want to get credit, you may need to temporarily unlock your credit.The above steps don’t provide guarantees and are not comprehensive or exhaustive, but collectively they can substantially lessen risk.

This is why I advise everyone to put HML as a plan Z, the absolute LAST resort and to only consider once everything else has been exhausted AND with EXTENSIVE consideration to assure, without a doubt, it will be very short-term and is ONLY a temporary bridge-financing.

Reed has an exhaustive analysis of this on his website here:"The truth" (emphasis mine) about getting around due-on-sale clauses

So, as long as the properties are not too old, then they will withstand the storms.

Since there’s no Dodd Frank nor CFPB to deal with, this withstands legal challenge as long as we disclosed everything upfront; we INSIST that the borrower/seller in this situation be represented by legal counsel and that the legal counsel “sign off” on the documentation.  

And when this situation happens again next year, and you're forced to sell because you've exhausted your reserves, you will wish you had dumped this PM.5.