This sounds like a perfect slow and steady wins the race deal. 

Your 2nd loan would need to be a different loan product

In my limited experience the bank data is for reconciling against the data you've already modeled in QBO through invoices, bills, and recurring transactions to automate their production, generally speaking the bank data isn't a source for that info, that's at least the mind shift I had to go through.

You need to make sure you can refinance out into a favorable mortgage product.

You'll also get a good feel for who knows what they are doing and has the client's interest in mind, and who is just selling a product.

Budget was blown but the end product is amazing!

But most seem like they are trying to sell product versus giving me a straight answer.

(A senior employee of Microsoft that knows a big product announcement is coming out would have an unfair advantage, that's why insider trading is illegal with stocks.

I have an LLC for another business, which I'm not doing anything with, (it's a farm not in production anymore).

Modular buildings are built to the same building code as any stick built product and generally built under better conditions with better quality control processes than most stick built product.