Site planning and municipal approval processes are time consuming and seem to surprise everyone who does it for the first time!

A bit surprisingly it has resulted in jurisdictions contemplating it, but the only San Diego jurisdiction that I have heard so much as discuss it is spring valley.  

Sometimes you'll get a pleasant surprise.

I'm surprised they haven't shut the water off yet with a balance that large.

That being said, I can certainly work within the 90k-120k refi.Depending on the area, I'm not surprised that banks/CUs would struggle.

State Farm is surprisingly good.

I am surprised this is the first time you have run into a problem not being able to keep tabs on your house.  

The hairstylist, that's what they do 24/7,  Dentist knows the ins and out of your mouth and the restaurant is capable of basically save you time  and perhaps surprise you with new mist of flavors. 

Schedule C is needed ONLY if the owner provides significant services for the occupants' convenience, other than the space rental and to maintain the property.

It's not a big surprise by any means even if 40% of people assumed 25.