Their rejection letter appears to suggest my only recourse is to locate a 'QUALIFIER' who has at least 4 years journeyman experience, to qualify my landscaping contractor company. so, in the interim, i can only do jobs that total $500 which is basically nothing since just a truckload of MULCH here in socal can easily add up to over $500 and the CA laws in my opinion are so outdated since $500 maximum in labor+materials means handymen can only do tiny jobs like painting, yard cleanup, garbage hauling.

I just get a tiny file that can't be the whole thing.

So, yes, putting as little money down with an FHA loan and having a lot more capital available and still having a tiny monthly payment sounds amazing relative to buying brand new 25% down. 

It doesn't need a lot of work, little bit of everything in terms of finishing touches (paint touch ups, drywall patches) and very tiny jobs (installing closet doors, trims and baseboards in some areas).

This guy is saying I can actually own half the place with my friend who is moving in with this tiny downpayment.  

The tiny galley kitchen is now open concept with a peninsula bar.  

They might even be willing to let the second have a tiny amount.

It looks like the world record GIANT cucumber (in that tiny picture).

It’s (a tiny) part of the cost of doing business.

We do direct mailings to very tiny targeted areas. 100 letters or less.