I have saved enough money to be able to comfortably put down 20% on a 200k house.

I'm requesting an exception topolicy to continue processing the loan or to request an update to policy tohelp other veterans in my shoes recover the expenses paid towards closingeffected by the suspension of the Alteration and Repair Loans.After further review of my case I see that the Appraisal was ordered by mylender on 30 April and the Circular was published on 10 April of this year.I understand that they were not in compliance with the circular, but how itwas distributed to them to ensure they put measures in place to ensure thatit is followed is something I would not have control of.

You'll know when you feel comfortable enough to pull the trigger it may be sooner than you think. 

Maybe do the calculation for your monthly reserves and multiply that by the number of months you feel comfortable with. 

I was in your shoes too.

I would also suggest to make many offers when you are comfortable and ready.

There are a million options and it is which one fits you and are you most comfortable with.

You need to be comfortable with the offer you are putting together.As far as hiring a GC to do a bid to cover everything. 

I am able to lock in a rate of 3.75% with a couple pts, so my COC goes up to 10% and I am comfortable with that.  

My advise would be to focus on the sales side first and once you get comfortable and confident making money that way, then look to develop a management arm off of your sales business.