Portsmouth is attractive because of the MFH options available there.

I found another contractor and am trying to see what my options are with the architect.

I'd consider utilizing the tax experts option on turbo tax if you have any specific filing questions.

Yes, I am improving on a ground lease hangar(s). 40yr with options.

DSCR loan doesn't require seasoning and may be another option to look at. 

It's essential to check with the administrator of your husband's 401(k) plan to confirm eligibility criteria.Plan Rules: Each 401(k) plan has its own rules and regulations governing loan eligibility, loan amounts, repayment terms, and other aspects of borrowing from the account.

There are a lot of wholesalers who are buying lists of properties in foreclosure / default and do not realize this in many states is considered predatory.As taxes and insurance increase along with homeowners having equity, states will start to catch on to this and my guess is start going after more of these wholesalers.It will be an easy win for them as most wholesalers act as brokers illegally (do not do double close) and do not let the homeowner know all the options available to them (modifications/ bankruptcy), they are out to solely benefit in their behalf which in itself is predatory

People are more cooperative when they have options.

Owner financing could indeed be a viable option given your good relationship with the owner and the favorable mortgage terms.

You also have the option to refinance into a conventional loan as early as 6 months if the equity/LTV meets guidelines.