Thanks @Jennie Berger. there is no way that it costs builders $200/sqft to build framed houses.

I think another fear with going conventional is whether the house would appraise for the asking price if the orchard isn't taken into account... ir the cashflow from the two rentals.

10DefineConsult an exterior designer (outside of house and landscape) (is this needed?)

Your description of the town house is non existent but in general I would choose a town house over a condo. 

During this period, there is typically less competition from other buyers, as many people prefer to move during the warmer months or avoid house hunting during the holiday season.

Land, brrrr, house flipping?

We own 1/3 of the house.

Wondering from people that have houses bought from Midsouth.

The house is a 3/2 and has an ADU with a kitchen, and bathroom.

As a Nationwide lender in 47 states + Puerto Rico that is fully endorsed, there are not many lending scenarios we don't cover in house, but there are always scenarios that fall outside of conventional or standard Non-QM guidelines.