So the strategy is basically advertise the 15YF at a rate that's in the negative profit zone, knowing that 49 in 50 people that call won't qualify, switch that 49 over to a 30YF ("oh sorry Mr.

This has red flags all over it and seems very high risk on your part.

Lots of red tape, but ultimately made me stronger with my organization, planning and creativity.

The topic is in regard to RM zoned properties that are currently able to apply for a NOO (Non Owner Occupied STR Permit).

.- Assume $1,000,000 short-term capital gain  (with other income, so max-tax)Note that before the gain, I was already planning to buy a couple commerical properties (1 in state, 1 out of state), but then due to the gain, I wound up learning about Opportunity Zone investing, QOF/QOZB, etc. -- unfortunately the 2 properties I wanted to buyer are OUTSIDE of their respective states OZ's.

I know for our standard house projects we buy pre made plans and they are less than 1% of the project.for custom plans and working through a city like Charleston that has a very intense historic board.. price is 20 to 40k  chicago remodels require architect not sure what my clients spend there. so I know i am no help  but I suspect in Wyoming pricing would be lower than red hot markets. 

The zoning for the parcel is very flexible as well.

Large upfront fees in the amount of $5,000 that will be “credited back to you at closing” are a red flag.

Does anyone have any idea why this clause is being included and what to look into to avoid any disasters with what I'm assuming could be zoning issues?

FHA 3.5% is very difficult to get accepted contract in this highly competitive Red HOT Real Estate Market across the major metros in the country.I will suggest you get a 5% Conventional Financing.