Slightly less bookings, way less lead times, prices have dropped.January 2025 is promising relative to how 2024 has played out. 

(Not gloating...the work travel was fun for a couple years and then was incredibly grinding...not sure it was worth all the miles and status).  

Commercial lenders are not playing by the same set of rules as conventional lenders.   

If they don't you personal financial situation plays a bigger part in securing a loan. 

I've been playing with amortization calculators and have seen you can pay off 1/3 of the mortgage and reduce 2/3 of the duration.

Be humble, be honest, be direct and HAVE FUN.

I think there's a fair amount of play in the budget for what needs to be done.  

I have 2 factors that I know play into it, but there's always more beneath the surface.

Any way good luck with it.. sounds like this company's eyes were way bigger than their stomach.. to scale on scattered lots is pretty tough logistically and I guess we are seeing that play out.

How certain of the appreciation are you would also play into that question.Run some scenarios on what you could do with the extra cash vs what you stand to gain from the appreciation play and decide based on that and your goals.