While not a big deal in the grand scheme of things, it does create delays and more items that I have to keep track of, that aren't actually productive.I understand a repeat customer may get priority treatment, it's when a desire to keep that customer happy by overlooking existing problems that come up later, occur.

If the mortgage on the condo costs you $2750 and you can get half that from a roommate, you guys have the ability to stay somewhere you actually desire, and you're only footing half the bill but getting all the benefits.

That's why with new construction it is more cost effective to tear down an existing home.3.

An agent, wholesale mortgage broker, building material vendors. 

To make things easier I set up a separate checking account to put rent in and pay the mortgage out of.

.- I have a second home (condo) with no mortgage that I could also take a mortgage or HELOC against, but not for 6+ months as it was just purchased.- I could go traditional loan, using primary home HELOC as down payment, so effectively carrying two notes (down payment with higher HELOC rate, balance with current mortgage rate). - credit score is above 800.Any guidance on above options or ideas on other financing scenarios would be greatly appreciated.Thanks so much!

It would not at all be surprising to find out the lot has building issues which is why it has remained empty, regardless of existing utilities to the lot.

I can't comment on if there was discrimination or not in your case as I wasn't involved, but the above requirements would be in place if Jeff Bezos called me for a loan to develop a new Amazon Warehouse and was willing to personally guarantee it and pledge his personal mansion and pay triple the normal mortgage broker fee.

Your inspector should give you a good idea if there's anything big and pressing.Also, if you house-hack, that hopefully means you'll pay a lot less in your mortgage than you're currently paying in rent?

My mortgage has been approved saying that it would be owner-occupied though my broker told me there is no real consequence of just not living there once it's already been approved.