North American Savings Bank (one of the lenders specializing in non-recourse financing for retirement accounts) for example will require 3 years seasoning before they can use a new appraised value, if it is less than 3 years they will use the original purchase price.

RE = hedge to inflation, debt becomes cheaper with older dollars.Cash = hedge to deflation, we can acquire more assets.Gold, which I love, because I'm an Austrian believer, really doesn't hold as much necessity now.The good news is, if you ever hear the mainstream media throwing the "D" word around, holy smokes things are really bad, or it's a smoke screen for something else.The even better news is that the American economic nightmare is deflation, because that would force them to actually default, or take up "Helicopter Ben" Bernanke on his last ditch effort of saving a Keynesian economy.

It also permits me more control over specific roommates, which could be handy if my child were in the house, and I wanted to evict a single roommate (obviously not mine!).

Beautiful child. 

child's play, really for the general cookie cutter house from the 50s or 60s

The US Census has a bunch along with their American Community Survey.  

I also hear great things about Bank of American Fork and also Zions for construction loans. 

@Ian Brown  too funny I did see on American Greed the dude who sold counterfit wines..

We lived there for four more years and had our first child there.

Check out Citywide Title and or First American