The builder offerred $15,000 credit to be applied, however you wished EXCEPT can not be used for price reduction. 

Some exceptions can be made but the only real way around it would be to get a solid cosigner for the loan with a good W2.

Almost nobody that wants a 3-bedroom has only one car, except the occasional single parent with small children, or solo professional that wants a home office and guest bedroom. 

This means that the property doesn't qualify for the extension, probably because it doesn't meet the covenants such as DSCR or debt yield, so the lender is making an exception and is willing to grant the extension in exchange for the $4 million.

I have owned houses in 'floodzones' that would never flood except in a once in a lifetime situation.

Never pay an upfront fee.You didn’t mention your state but understand that with little exception, an NMLS registration is only required for consumer-purpose loans.

. - PM has no breakup/termination fee- PM does not take project management fees, except on large or complicated CapEx projects exceeding $5,000. 

But IRS allows an IRA to be invested in anything except life insurance and collectibles.

I wouldn't live anywhere except Fells Point, Canton, and Federal Hill. 

At this point, I would recommend having a line of credit to cover these things so you don't have money sitting in the bank doing nothing when it could be put to work.I have 33 units, no debt except for mortgages, and excellent income.