Home prices will likely vary by region, with modest increases in areas of high demand and stable job markets, while others may stabilize or decline.

Many insurance policies also require re-development within two years, a near impossible timeline in a region with the coastal commission, perhaps only second to Manhattan in terms of permitting and red tape.

This will vary based on region but in general 2 – 5 points, 9% - 16% APR (meaning this is the annual rate so divide it by 12 to get the monthly interest amount), and documents fees can be from $600 – $1,900.

This is why the big corp builders or regionals control so much of the larger developmentsthe deals i funded are 34 lots 160 lots and 80 lots respectively and each of them have contracts on them by Toll and Lennar and one regional but they only close when we have permits in hand. 

I won't be able to help out for that region, but that would help get a better answer from someone else.

You can look into switching to a local credit union or portfolio lender, as they tend to be more flexible with regional policies.

Without one, there is a small and remote chance that the existing system of insurance, mortgages and the US housing market as we've known it, is at systemic risk due to; over-financialization, risk aversion and regional fragmentation.

there are ways to get around the highest and you also need to take into account the savings you will generally have on the purchase side when compared to other regions. 

Lots of investment in the region as well so hopefully quality job growth will continue.

You could also look into regional banks or credit unions with experience in real estate development for middle-ground options.If I were you, I’d spend some time shopping around for the best rate/terms.