I agree there are some concerns, fraud, privacy, confidentiality, experience vs. non-experienced, etc.

I am pretty confident I will make this happen in the next 12 months.

As for how confident I am in my costs... pretty confident.

I have a confidential list of lenders that I use for pricing on scenarios.

Oak Harbor is more of a single family home area, and as far as I can tell so is Lexington Park, and I bought single family homes in both (thank you VA for the no money down lol) I just need to continue on that path, and be confident I am doing the right thing.

An appraiser is not a fiduciary and owes no oath of confidentiality to a buyer or seller. 

Keep in mind, attorney's have client confidentiality to think about, so they can't provide leads to you.

Thank you to everyone in advance as I am confident I will be learning a lot from this forum in the future!

I'm confident I could find someone who would move in on 12/1, given our market. 

Balloon payments need to be after significant equity has been established, that 25% may apply, the improvements will effect this as well, but future ability to finance is the question to ask.I realize some of this may not be appropriate for public consumption, feel free to contact me with confidential matters and I'll be happy to give you financing solutions and options. :)