For example, doesn’t the appraisers’ valuing set the stage for what the lenders will lend?

At the initial stage of your loan application the Lender must have sent you an Initial Disclosure Package which includes your loan Estimate (LE) and Written List of Service Provider (WLOSP).If you opt for the title company that is mentioned in the WLOSP - Your title charges will be in Section B of CD - Services you did not shop for.If you opt for any other title company that is not mentioned in WLOSP - Title charges moves to section C of CD - Services you did shop for.

I would think 600 sqft just for an ATM is a little excessive.

.• The issuer derived at least 80 percent of its gross revenues and those of its subsidiaries on a consolidated basis from that state ((A) For its most recent fiscal year, if the first offer of any part of the issue is made during the first six months of the issuer’s current fiscal year; or (B) For the first six months of its current fiscal year or during the twelve-month fiscal period ending with such six-month period, if the first offer of any part of the issue is made during the last six months of the issuer’s current fiscal year from the operation of a business or of real property located in or from the rendering of services within such state or territory; provided, however, that this provision does not apply to any issuer which has not had gross revenues in excess of $5,000 from the sale of products or services or other conduct of its business for its most recent twelve-month fiscal period.).• The issuer had at the end of its most recent semi-annual fiscal period prior to the first offer of any part of the issue, at least 80 percent of its assets and those of its subsidiaries on a consolidated basis located within that state.• The issuer intends to use and uses at least 80 percent of the net proceeds from sales made pursuant to the rule in connection with the operation of a business or of real property, the purchase of real property located in, or the rendering of services within such state.• The principal office of the issuer is located within such state.• No part of the issue may be offered or sold to non-residents for a period of nine months from the date of the last sale of an issue under the rule (For purposes of determining the residence of offerees and purchasers: (1) A corporation, partnership, trust or other form of business organization shall be deemed to be a resident of a state or territory if, at the time of the offer and sale to it, it has its principal office within such state or territory. (2) An individual shall be deemed to be a resident of a state or territory if such individual has, at the time of the offer and sale to him, his principal residence in the state or territory. (3) A corporation, partnership, trust or other form of business organization which is organized for the specific purpose of acquiring part of an issue offered pursuant to this rule shall be deemed not to be a resident of a state or territory unless all of the beneficial owners of such organization are residents of such state or territory.).• During that nine month period, all resales of any part of the issue, by any person, shall be made only to persons resident within the state.• The issuer shall, in connection with any securities sold by it pursuant to the rule: (i) Place a legend on the certificate or other document evidencing the security stating that the securities have not been registered under the Act and setting forth the limitations on resale contained in the rule; (ii) Issue stop transfer instructions to the issuer’s transfer agent, if any, with respect to the securities, or, if the issuer transfers its own securities make a notation in the appropriate records of the issuer; and (iii) Obtain a written representation from each purchaser as to his residence.• The issuer shall, in connection with any offers, offers to sell, offers for sale or sales by it pursuant to this rule, disclose, in writing, the limitations on resale contained in the rule.

Best to cover pest control in your maintenance budget.About late fees... in some jurisdictions the amount of your late fees could be considered excessive and be challenged.

Basically, it has already been through all the Planning stages and is ready for a council vote, but the lobbyist for the Master Builders hasn't given his final approval to the kowtowing council members whose strings he pulls. 

Add to that, the fact that we will be entering into another recession in 2017, in which, the storage industry always sees a HUGE increase in demand from people losing jobs, downsizing, moving back home, and from businesses pulling back, storing excess office equipment inventory, etc. - and we are poised yet again to reap huge rewards that are available in this recession proof and inflation proof asset class. 

Most will not want to run 200 deals or write 100 offers to get you one, but the conversation will lead to what and who they know, along with what they are willing to do in your absence....hold open houses, help stage the homes, put you in contact with like minded buyers, even keep an eye on the project in your absence, etc.  

If you don't go all the way up the wall with the fireplace stone you could stage it with a big clock, piece of art or TV mounted above it.

You could purchase an extra property or invest the excess funds in an asset class outside of real estate.