Also just to add, we did provide an entire packet for the appraiser of the updates, added value, AirDna data with occupancy rates and market data of neighboring comps.

Moving from SoCal to Phoenix, AZ in 2019 provides perspective on affordability (it's all relative).

And others have pointed out that building in flood zones can be much more expensive with special permits, requirements like living area starting above base flood elevation, probably more than the $25K difference in the lot that's not in a flood zone.  

And/or know of any firms that provide this sort of service?

Yes, we call the employer directly using a number found online, not the one provided by the applicant, and we verify their employment and pay rate.

And that's OK provided they bring in an accountant, and perhaps one with subject matter expertise in the partnership.

In our situation, if the loan gets called it doesn't seem like it would be a huge problem, as we could just pay it off and the list the property and get the equity (probably $30k to $40k after selling expenses, assuming the market hasn't dropped).Thank you in advance for any feedback anyone is able to provide on the subject of a subject-to sale with a USDA loan.Jean

It is a specialized accounting software specifically for short term rental hosts.

The custodian would provide some delivery instructions, you contact your plan admin of the 401k to let them know you're rolling over and provide the delivery instructions and they will send the funds- about 7-10 business days for processing.

Please note the information provided below is a layman's definition designed to provide a basic understanding for the general audience.