Zoning, subcontractors, mother nature, P/I during construction and rent up, your loan doesn't get "fixed" until after construction, material inflation, etc, etc, etc.You have taken most of the risk off the table with family financing and family construction. 

Too much problems since under contract.You allude to other problems, depending on their nature, maybe walk. what is the tenant’s reason for fighting eviction?

Typically in northern states the cost for natural gas is way cheaper than electricity so over the life of the system your utility bills most likely will be cheaper with gas heat.Ductless split systems use electricity to power in heating mode.

The point is, in these types of markets, original or slightly enhanced kitchens are adequate.

Assuming this is their natural child, they've managed to build excellent credit for the wife over a long period of time.

The information he gives is correct information, save for natural errors here or there that anyone would make.

Naturally we push the limit to the point that the Housing Specialist might request a small adjustment to meet the calculations. 

This is because the sale process affords the more natural process of being able to undertake customary diligence with contingencies, obtain financing etc.

Keep refining your approach, and over time, it’ll become second nature.

I don't think there is a natural increasing demand via population growth, jobs, etc... that provides a tailwind for value increases like other areas.