I suspect the builder has crappy credit and can't get approved on their own.Also, as a former banker myself, local banks aren't generally interested in financing new construction on this size of project or a builder that doesn't have extensive experience in these type of builds, in my opinion. 

At the planning commish meeting they said we will approve it but you need to cut density by 10 lots..

Quote from @Kevin James: My tenant wants a refund of $175 for a lapse of 4 days without internet for the cost she incurred by using her mobile hotspot.

The bottom floor is approved for commercial business and has the main vault, some marble flooring, and a back room office and restroom.

You can get the cashier's check and do any other banking transactions from the convenience of your home office or mobile device without ever going to the branch with any of these banks. 

Have you gotten pre-approved with a lender? 

I do recommend (after the law is approved and it will most likely will) a talk with a good lawyer to understand exactly what changed and how to frame the business appropriately.Best regards.

Also you would not reduce the price because of the interest payment. that is not how it works.3. yes the note could be sold, but at what type of discount and what if the borrower stopped paying.while there are a lot of posts on seller financing, some estimiate less than 1% of all transaction have seller financing and the ones that do are first position only with an average of 30% down payment - most of these are to people who do not have verifiable income.Thinking you will get conventional financing then seller financing will be uphill battle as the conventional lender most likely will not approve a 2nd mortgage for purchase.not trying to dissuade you, just wanted to provide some key insights so you do not spend 1000 hours chasing something that is impossible to find.

Or you can try and lease option it, but be sure to mentor your tenant all the way to get pre-approved, otherwise you have an 80% chnace they won't be able to buy it. 

There's a lot to this and illinois will not approve you without these things in place, as well as some others.Good luck.