People are temperature sensitive. 70 is too cold, 76 is too hot. 

I do know my wife and I, when we were young and especially first time parents, we were sensitive about everything.

Maybe a restraining order against the renter barring him from communicating or harassing or being within 150 feet of any construction personnel on the site- as a first step.

@Steven JohnsonC - Capital adequacyA - Asset qualityM - Management qualityE - EarningsL - LiquidityS - Sensitivity to Market RiskBank supervisory authorities assign each bank a score on a scale of one (best) to five (worst) for each factor.

BUT a pressure sensitive glue is affected by moisture and heat.

Pros of Hard Money Lending:Speed and Accessibility: Hard money loans are known for their quick approval and funding process, making them suitable for time-sensitive deals where traditional financing might not be feasible.Flexible Terms: Hard money lenders are often more flexible than traditional lenders when it comes to terms, repayment schedules, and collateral requirements.

I am restrained by the interest rates on the loans, the cash I have on hand for the 25% down payment and the average rents for this area. 

There are site sensitivity restrictions, fire and building code (if you are separating between floors for up down you need to fire rate the floor like you would fire rate the party walls that separate units, which can get expensive), etc..As Travis mentioned, once it becomes up down, it's no longer a duplex or townhome, it's a condo.  

Honestly, I don't know how sensitive the family will be on the issue.  

This was time sensitive, so I couldn’t wait for a bank loan.