Originally posted by @Brian M.

I also realized last night (after I made my original post, of course) we could do a HELOC on our primary residence.

I already have land holdings near Everett that will certify out at 304 salable density bonus credits.To play this game, I get certified and then "clip off" the transferable development rights for sale to urban developers in the county, who can cash them in for an increase in dwelling unit density from an original 22 units/acre to 58 units, and building heights from 45' to 75'.

Most sellers only care if you close so you can usually use another form of capital stack other than what is on the agreement, however, the seller can force you to use the originally agreed-upon payment method. 

My experiences were a couple of years ago and I was originally told the appraisal had been assigned and the rate would be $780 but then later I was told that appraiser was cancelled and they'd found someone else who it was assigned it for $935.

They remain whatever the original borrower has.When you use typical financing from a lender, you have the lender's hoops to jump through and loan origination fees, the appraisal has to come in at a certain number, oftentimes an inspection or appraisal will kill a deal. 

The second year we only spent $25,000, and achieved our original goals.  

Calling a FSBO wasn't the original question - it was "text blasting".I cited some very solid sources above that are worth reading. 

Originally posted by @Gregory Mcgraw:Ok I wasnt sure if you did.  

Originally posted by @Anton Ivanov:@Brandon SturgillSure, I'll send you a pm.