.: I would reply to his threat of going legal with the final punchlist you're requiring to release final payment.

Thank you so much for the reply I’ve been writing down by 2025 goals just because right now isn’t my time doesn’t mean that my time isn’t going.

I really appreciate you taking the time and providing a detailed reply. 

@Caroline Gerardo  My response related to reserves was a reply to this statement in your post: "In addition to down payment you need reserves which is 12 times or 24 multiplied by all you debt.

Hey Pat,Thank you so much for your detailed reply, the tips and  pieces of advice you gave really resonated. 

Thanks for the replies.

Kent, I echo Brandon's reply about Oklahoma City but I will add a twist. 

@Bruce WoodruffThank you for your reply and insight on this.

I'll start more seriously considering doing this specific idea as a solo venture though, because that seems to be the general consensus of everyone that replied haha!

I am happy to provide any and all detail and more so...if you are in the austin/cedar park Texas area and are looking to partner and you have experience in this area...I am all ears.Thank you in advance to all that replied!