Because I feel it’s important to shop local, the lenders I’ve spoken too are either regional or single small town banks and I’ve found in those situations that they are more likely to bend the rules if the argument is worthy.

@John GarciaI would def check with the regulatory body and first make sure everything is ok to do RUBS as you indicate it is , but additionally, verify what their accepted metrics are ( i.e. square footage, bedrooms , occupants).  

Despite this, if I asked them for a warm body within these banks that could resolve these issues, they won't know who to talk to.

You can also comparison shop and see what is normal for your area.

(obviously he had great vision, just not enough to see the mountain tops moved into the valleys for shopping centers, condos, & Subdivisions, & the same here{FL} thru "mitigation"{read=where swamps R dredged 4 new W/F properties}Punchline of his quote...Location/Location/Location(&how often Have You all had THAT 1 drilled into Your heads?)?

yep, real quick, you might wanna take out the email in your post body and put it in your signature.

with what the market wants & will dictate (i don't love this layout & I can find something else for a comparable price so I'll keep shopping around).

Wake Forest Area with good access to shopping and highways.

I am still shopping for other quotes, but does this sound like a decent price?

I shop for the cheapest truckload of concrete from an independent concrete truck, pay for the lumber and pay for the labor.