I just wish you were a touch less confrontational about things you're actively asking to learn something about.And your whole positivity all-the-time kick...it reminds me of propaganda shots of the Hitler Youth and the Soviet Union's Young Pioneers, all those teenagers in line with wide fixed smiles enthusiatically doing calisthenics in the broiling sun, not a hint of the death camps or the gulags about them as they focused on an ever-more-brilliant future to come, the Thousand Year Reich and the Worker's Paradise.In this country, I have learned to deeply mistrust permanently positive people who melt into puddles and wail at the first sign of real hardship.

When it was finished, we converted from construction financing to permanent financing and called it a day.

These policies are usually permanent life insurance like Whole or Universal Life Insurance policies.

There has been multiple threads on this forum about the benefit of using a maximum overfunded cash value permanent life insurance as the place where to circulate your cash flow.The Infinite Banking crowd only swear by Whole Life insurance; There are other options like Index Universal Life.In a few words, it's a long term play as the upfront fee make it a negative return until year 5~7 depending on the product.

I then refi them at up to 75% of value and establish a permanent income property. i never put any of my own money into these deals.

I asked why not use a construction to permanent loan and avoid the redundant transactional fees of multiple loan originations, title policies, recording fees, appraisals not to mention investment of time.

If you could wait or find a temporary solution you could save money on a more permanent one later on.

After careful consideration of everyone’s input (which you all took time out of your day to do) I decided to go with the $15 credit in arrears and moving forward and worry about “fixing” it permanently later when I don’t renew her lease.

Construction and permanent loan from one lender.

Probably would look better to get something permanently attached like some base heaters or a wall heater.