Those in the lower price points are production oriented they do the same cut and paste from previous projects on various elements. 

I know if I try to do it on my phone, it doesn't work properly unless I'm in the App.

They routinely chase documents in the final hour instead of upfront and fail to secure the proper paperwork on time. 

Obviously a hard pull will place an inquiry on your report which is counter productive if you plan on making a financial move based on credit in the near future.

I have decided to do a cash out refi, in which will give me a proper appraisal of the entire property, not a "drive-by" appraisal.

Fear Is just an emotion like being sad or happy, fear is not real it’s a product of your own thoughts, fear is a choice not a danger.

I was a contractor in my previous life, so I am quite familiar with how things are supposed to be done and when it is not being done properly.

(I get asked that a lot, and when down in so cal there was no rhyme or reason to pricing, and land was so hard to find) you can use formulas when the product is under certain values but when the homes go way up in value that all changes.especially in CA.. were you may pay 2 mil for a bare lot in Palo alto spend 600k building a nice 2500 sq ft home and selling it for 4 million ... % does not work.in our production stuff like we do in Oregon  were the end product is now in the 450 to 500k range  1/4 to 1/5 is what you need for land cost to keep your margin at 15% of gross or there abouts.. but many builders are only making 5 to 10% of gross if that , depending on where they get their construction money.our Gresham project Lennar offered me 130k per finished lot  and we are selling houses right at 450k.. so they were paying top dollar but they build 400 plus houses a year in this market so their margins are much tighter and they are not carrying ANY dirt or land.. they only buy when they can go vertical GENERALLY speaking as I say this they have just gone into contract of a few parcels next to one I am in process of developing 160 lots on.. but basically that's how it works.

So I have no idea if that agent has properly prepped his clients for getting through the home inspection, or prepared them for the buying process. 

To be done properly cost segregation must be done by a qualified construction engineer trained in the tax code as it pertains to depreciation.