I will say though we kind of built the right product for this market cycle.. big single levels with 3 car garages catering to the empty nester and down sizer we get buyers coming in off their small oregon hobby farm .. our first time move up buyer did slow a ton but we have sold to families as well just not like it was pre interest rate spike.. our other folks are either paying cash or borrowing very little so interest rates are not affecting them.

I was hoping to get a date to move her out.

Move the goal line right at the end.

If the home is more than $365K you would just need to run the LTV to see if it was around 80% in order to remove the PMI but again the rates still put you around 6.25% at best.I would not move out until you refinance if it is an FHA mortgage because when you go to refinance it will be treated as a "Non-owner occupied/Investment" and the rate will shoot up to above 7% again if the LTV is down to 80% to 85% Max.  

I've been trying to plan how to make my move. 

we have until spring of 2025 until our balloon loan either has to be refinanced or paid off (we got this loan because we intended to build, of course) and now i feel like it's a ticking time bomb.we conducted "clean and satisfactory" (no issues whatsoever to build) soil and foundation tests and provided those to every buyer. it seemed (not quite sure here) like they backed out once they reviewed the tests - yet there is nothing negative in them. we will not be providing these tests moving forward (as we had to do them ourselves and feel that each buyer should do their due diligence moving forward!)

For example, an investor I know had lien put on her property in San Francisco because the nightmare tenant didn't pay the last trash/recycle  and water bills before tenant moved out.

If I win this bid, I would rent out my current residence and move into this one for about 2 years.

Disclaimer: I moved to Georgia, and the only people that I really know are those who moved with me.

If you can move, there are some other spots in Ohio where you can get a better deal on land.