Then adjust based on both your and their view of the world.  

I recommend you do this annually to adjust for utility increases and other variables.

It may make sense to save a bit more and invest from a position of power.Keep in mind most helocs are adjustable.

Cost of construction is expensive and about to get worse.

The current costs of construction are so high that you can just find more bang for your buck buying as opposed to building.

For C to B-Larger developments announced nearby-Increased activity in new construction-Building of commercial retail in or near the neighborhood. 

There is usually not much that compares with what we offer, so we only compete apples to oranges, so incentives are not a good tool for us.The types of tenants we want (multi year) also respond better to an adjustment in rent than an incentive.

Tell the lender you want a construction loan online of credit.  

No requirement to be in the inner circle other than to get the 100% funding up to 65% of ARV, otherwise it is 90% of acquisition cost + 100% construction costs up to 65% of funding.

We are also going to see rates start to trend down once the 10 Year treasury start to adjust down.If you have any questions at all or need to pick a Baker's brain feel free to reach out!