The local Government has invested in the infrastructure immediately neighboring this subdivision (streets, commercial expansion) and new local business is on the rise in the surrounding area.

Safest loans out there, they aren't just backed by you and your credit and the collateral, they are also guaranteed by the full faith and credit of the US Federal Government.

If everyone in the US ran their household budget the way the government/state/feds run a budget, run up debt, sell more and more bonds, and print more and more money - everyone would be broke.  

I love your thinking "big" approach, however there is a tariff war going on with the Chinese, they just had their second huge bank fail and the Chinese government is clamping down on out of country investing.

I get my data straight from government sources: Census Bureau, Bureau of Labor Statistics, Department of Economic Analysis. 

Most lenders resell (to a government agency) and the buyers of the resold loans are the ones with the high threshold.Ask a competent mortgage broker what the lay of the land is at present.

A person has to deal with government officials, contractors, suppliers, inspectors, insurance companies, regulators, health departments, social services, police, and sometimes even military. 

There are all types of failures from economic, banks faltering, government recession and many others........The IMPORTANT things here is, (IF YOU WROTE OUT A PLAN) you will have been able to go back into that plan, see where the (YOUR) plan failed and correct the problem.

Tell them to pound sand.....they forgot to say “govern yourself accordingly”.

Understanding how the markets work, supply and demand, trends, government impact on markets, and being able to predict patterns will help you a ton.