I really need to close this chapter and move on, it's really stressing me out.

The custom builders in the area are very competitive and are offering pretty inexpensive builds vs comps.If the lot was purchased recently for 20K and the turn-key cost to build is $200K, after I close on the house (bank said appraised value would be 220K), would a new buyer have problems with it getting appraised over $220K even with other comps selling for 300K+?

You're going to need 20% down plus closing costs for just about any loan product out there, DSCR included.

I close on July 19th.  

But that was then now is now.. its all on bid 4 assets and the deals are nowhere as good as they use to be not even close.

For $150,000, this could be $3,000 to $7,500.Investing in a Rental Property: Costs and ExpensesDown Payment and Closing Costs:Down Payment: Assuming you buy a $300,000 rental property, you need a 20% down payment ($60,000).Closing Costs: Typically 2% to 5% of the purchase price.

I'm not as plugged into primary rates (vs. investor/DSCR) but there are a lot of HELOC / Closed End Seconds out there that are becoming very popular alternatives (especially if you already have a low rate mortgage) instead of full cash-out refinances and jacking up rate on all the debt

And with a lack of five-star communities, there's a major focus on the primary MHC market, which is much more stable in terms of occupancy and cap rates compared to traditional multifamily properties.Well, there you have it – the manufactured housing community sector is a hot ticket, with demand growing, rents on the rise, and occupancy rates staying solid.

Has anyone worked with a lender who has actually closed an FHA, VA or Conventional Energy Efficient Mortgage?

Generally, I would think that commercial real estate (especially B and C class industrial/warehousing) would be less averse to the close train proximity then residential.