As you can see from this journal, things have been changing constantly due to the difficulty of getting the construction loan, so for being all over the place, one day I am close to closing and the next I am not , one day I am doing this and then I am doing that, for that I apologize, I am just updating and writing as the changes occurI still feel like I have a leg up being that the demographic I am catering to could afford 25% down for a jumbo loan to keep their rate down like @Caroline Gerardo pointed out; however, I am not putting much stake in that.

I'm sure there were many opposing takeaway's by all who read that thread, but James didn't apologize for his methods or process, and acknowledged they're not for everyone.

@Justin Wilmot  My apologies to you, Justin. 

My apologies if my presentation wasn't taken well.  

Apologies for not clarifying that earlier! 

I misunderstood your investment portion, my apologies.  

My apologies for being Dougie-Downer.

MacPherson and apology. 

My apologies up front if this question has already been asked and answered. 

@Gina Jeannot, apologies I didn’t see this response.