Unless I am confused by your question, it might be backwards.

A 30 year is not a viable option, for at least three reasons. 1) the interest is significantly higher on an investment, 2) the current loan has 23 years remaining (I don't want to go backwards), and 3) the fees also go up for anything over 20 years under the HARP program.

Lenders have been around for thousands of years and they should know what they want in short order instead of stringing things along.There are some local lenders I'll bend over backwards to give business to because they are honest, reputable, and do what they say they will do.

Also, since this is also a matter of principle to me now, can we add the costs of time spent advertising, getting the locks changed again, cleaning, and whatever else is an inconvienience since we bent over backwards to help them to be able to move in...

Bottom line, begin with the end in mind and work backwards from there.

Adams is so backward *** I wouldn't put my money in a parking meter there.

I like Joel's take on this, by working this equation backwards you understand why banks are seeing the new construction as a riskier proposition.

That drives the learning process, and turns it into a series of specific things that you must learn one after the other, rather than a vague "learn lots of stuff about RE" which is harder to act on.Start with an end goal in mind, and then work backwards from that.

Unfortunately, that is actually backwards.

If you're trying to figure out what you should focus on, I'd suggest thinking about your mid- and long-term goals and working backwards from there.