The original six month tenant I had extended the lease 9 times and stayed a total of 5 years, paying me about $15k over market rent annually.  

Seller was not willing to extend contract or accept creative financing options.

Not sure what ($139.11) Wall plate covers $1.62 Garage door balance $1,185.01 Cheap paint brushes $3.89 Drywall anchors $8.21 Door finishing $1,400.00 Wall plate covers $5.48 Shelve brackets and air filters $60.58 Stair refinish $560.00 Door handles-dummy $41.30 Door handles-dummy, angle finder, Paint for countertops $123.40 Front door handle $152.55 Door finishing $350.00 Window balance $10,993.20 Landscape lighting $246.15 Fixing exterior lights and plugs in office $150.00 Door stops and towel hanger $20.83 Ring doorbell $65.84 Light bulbs for chandelier $43.88 Hanging chandelier $49.00 Hanging chandelier $462.50 Vent cover $19.68 Gutter extender $6.16 Mailbox $447.21 Landscaping-Wanderwolfs $119.63 Landscaping $932.88 Gutter extender, 2x emerald green $110.43 Pebbles/mulch $86.54 Paver $125.12 Landscaping $521.31 Landscaping, gutter pop up $403.93 Landscaping-adjustment for 20% discount ($89.78) Beach pebbles, garden staples, Insect killer $135.59 Emerald Greens $72.94 Pebbles/mulch $100.06 Returned Festuca grass ($16.64) Mulch $11.49 Paver $41.71 Mulch $10.38 Front tree $900.15 Fence $5,690.00 Fence stain $667.05 encapsulation $3,165.63

If they have, you extend that time to 6 months from date of death.On top of that, every month you delay buying the house, the loan balance is going to increase. 

Real estate investing wasn't on my radar - my focus is business acquisition, but once I encountered the Subto community and saw for myself how much they were willing to extend to me for free, I had complete confidence in making the investment.Peace of mind with such an investment does not come cheap for me... 

Mortgage recasting is a great option for homeowners who:Have received a windfall, such as a bonus, inheritance, or proceeds from selling another property.Want to lower their monthly payments without extending their loan term or going through the hassle of refinancing.Are satisfied with their current interest rate and loan terms.How to Get StartedIf you’re considering mortgage recasting, here are the steps to take:Contact Your Lender: Ask if they offer mortgage recasting and confirm your loan’s eligibility.Determine the Lump Sum Amount: Decide how much you can afford to put toward your principal.Calculate Potential Savings: Use an online mortgage calculator or consult with your lender to estimate your new monthly payment and total savings.Submit the Request: Once you’ve made the lump sum payment, your lender will process the recasting and provide a new payment schedule.Final ThoughtsMortgage recasting can be a powerful tool for homeowners looking to reduce their monthly payments and save on interest without the cost and complexity of refinancing.

Given that the build time has greatly been extended, my numbers when initially run are going to be much different moving forward.

Maybe the 2017 tax and jobs act gets extended, but either way, if tax savings is the primary motivation, don't do it. 

Similar to your situation, investing in prime location is Raleigh area has also gotten expensive (not as much as Bay area) and as such, I extended my investment portfolio to nearby suburbs.

In some cases, cities may allow you to apply for a variance, particularly if you can demonstrate the property has been used in that capacity for an extended period.Additionally, as suggested, it might be worth consulting with a real estate attorney.