A dwelling unit is not habitable if it violates provisions of housing or health codes concerning the health, safety, sanitation or fitness for habitation of the dwelling unit or if it substantially lacks:(a) Effective waterproofing and weather protection of the roof and exterior walls, including windows and doors.

I think this area is going to be attracting people and jobs for the next several decades.  

This is for architectural work only, and does not include the work of the other consultants (structural, mechanical, plumbing, electrical, etc.).So without having any other information but these several sentences from this architect, what is the best way to evaluate the offer from an architect?

You can use the loan for several things. 

Wendy is right - but there's a lot to consider when it come to fraud.There are several types of fraud - most have to do with intent and the actions taken prior to, during, and after the fraud takes place - and all can be argued one way or another.Pretty much every single purchase money loan has a due on sale clause - if you are maliciously trying to sell a property without paying off the loan, yes, that's Intentional Positive Fraud and you can get cracked on it pretty good. 

My research does not show a set pattern of acceptance of the last several months .

by looking up the lawyer @Craig Curelop recommended I located several real estate attorneys with ratings at avvo ( I don't recall the rules about posting links and such so you will have to use google to get there and select the real estate category)

Rather than going through the RMD process, I'm considering just taking a full distribution of several properties I have in an SDIRA. 

Have also spoken with several contractors swamped with work. 

Its been my experience that many commercial/portfolio lenders like to see someone with a presence in the state in which they do business.I've got several portfolio lenders in Columbia that will do loans in Charleston assuming the borrower has ties to South Carolina.