The same guidelines could have markedly different interpretations and implementations by different lenders.Lender A tells you that your rate is X, Lender B tells you that your rate is a little higher because they see that the program/product that A is quoting wont work because of some minute detail.

Changing lenders wont help - this will be the case for almost every lender.Call your insurance company and confirm that a binder is in place for your insurance for this deal.

I just used cash to build my first 3 specs no loans at all.. once done and sold then I went to lima got one loan from them.. then went to local bank ( much much cheaper) and got a 3 mil  guidance line and went on to build 30 or so in charleston.. you have to prove the model.. its not like buying a rental where lenders look strongly at your fico  fico is required but not the main consideration like and investor loan and all you need is 20% down or 30% down and a few bucks in reserve that wont fly with spec loans..

The result is an even deeper inflation than what we already suffer from.

I'm concerned that the delay is because of the holidays and I wont' be able to get the tenant out until the beginning of 2025. 

They wont find out."

I lost nine pounds during the remodel and at the final week of work, I fell face fist off the ladder and was knocked out and suffered fractures in my face.

Needless to say, many parties are involved, and they all need to be established and verified, or your business will suffer greatly. 

From my view, neither property type (with the right features) suffers from the same potential downside appraisal risk as converting SFR or duplex.  

Not sure if this has worked through but a winery that has been long on the market might be suffering from poor practices by the viticulturalist.