We added energy efficiency by adding LED lighting, insulation, double pane windows and central air/heat.

Austin's first 'Tesla Solar' neighborhood explainedPanels, batteries coming to new homes in Easton Park master planned communityThe Article reports on a new partnership between Tesla Energy, Brookfeild Asset Management and Dacra.

Similar to above, if roads are private, not needing profiles reduces the workload on the Civil Engineer. - Drainage Report/Analysis could be a big cost item depending on the governing agency & what the stormwater requirements are.

There is a breakeven point where you can charge almost as much money for less people and thereby reduce your risk/hassles/cleaning/damages/parties/EtcYou just gotta figure out what that is for your area.... 

The issue that I am running into is that conventional loans require around 20% down and we will not qualify for a FHA loan that has a reduced down payment.

Reducing spending on eating out and buying a good car (nothing fancy) that is reliable and lasts helps a lot.  

Rather than having different partnerships for each asset, the holding comp will reduce the tax compliance fees by eliminating the need for tax returns for all the underlying entities that are 100% owned by the holding partnership. 

Your payment history will remain on your credit report and your debt is reduced. 

My goal with owner carry was to be able to refinance at the end of the term of the agreement in order to reduce out-of-pocket costs.

If it has not been altered, you are fine.It seems the “steal” is based on a deeply reduced price due to the unique situation and the home will always be worth substantially less than the surrounding homes due to the sub-grade bedrooms.