They'll not doubt you, as there's not a benefit to lying about that, ha.The acres that you own outright can be used as collateral -- the bank may be able to straight up use it, or they may issue a Line Of Credit against it.  

As a buyer of course I may have different thoughts but there lies the conflict. 

My expertise lies mostly in contracting so if anyone has any questions in that arena, I'm happy to help!

.- Doesn't lie when he says he's not up-charging materials- Shows up on time 95% of the time-Doesn't ask for advances early-Runs his business with the mindset of under promising/over achieving instead of vice versa- See's a job to 100% completion before taking on new jobs.   

But you need to.Pictures can lie also. 

It becomes a bit of a chicken and egg thing, when you're starting - because at the end of the day the LLC is only as good as its ability to protect you, and if the deed's recorded under the LLC but you're paying the mortgage out of your account anyways, that's not likely to do a ton of good when it comes time to 'be protected' - see 'piercing the veil.'

@Joe Podwats most likely this is a lie and they just don’t have the money.

The stats don't lie though... men invest much more than women, and that is a gender thing.

This is a reasonable risk adjustment on the part of the bank and your lender has no control over this.All you have to do is go find another lending institution without this overlay instead of spending time insinuating that this person is lying to you when they likely are simply conforming to the rules of their individual institution.

If you both agreed to tell (lie to) the insurance company about the concrete work being done, absolutely the $118 should come from that.