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But if the build takes +6 months for example and rates change dramatically, then you are stuck with the higher rate. 

No real change in our banking.  

You think changing interior design, pictures, layout, etc would change STR success?

You cannot get around this unless you change to a Conventional loan. 

Wishing you the best of luck on this journey, and if you ever want to explore the Kansas City market, I'd be delighted to help.

Can changes be made to the reservation to add the second person later?

What can you build by right, how hard are the restrictions/zoning to change?  

I think the change towards EVs is going to start happening pretty quickly now, so I thought I'd try to get ahead of things and try to work out what my EV policies might look like before it comes up. 

No...a 1910 house will require more repairs than ever revealed from an inspection or walk-through.