.  :-) And after speaking with another lender, it's confirmed a log cabin based on the heat source and their lending guideline. 

it's possible but unlikely. a great CPA who specializes in REI will be able to help you plan AHEAD for tax time and use different pieces of the tax code to your advantage, based on your unique situation, and ultimately save you way more in the long run. would you rather pay $750 to have a return done & get a $5,000 return, or pay $30 to have a return done and owe $5,000?

Can anyone shed some light on why the HMLs only want to talk on the phone and their so secretive about rates?

There is a big difference.Social Services to me means section 8 housing vouchers, food stamp existant, and other welfare benefits.Social Security (whether you agree with the program or not) is based on repayment of money you earned while working and supposedly placed into a trust for retirement.

If I'm off base here, let me know and perhaps I can look at this another way. 

Feel free to DM to discuss further over the phone.1.

She is not based in MA but doesn't need to be.Paul

A few quick notes based on some of the replies:1.

The best source of funding is subjective because it's going to vary based on what's important to you.Do you care more about the terms?

Max LTV should be 75%LTV based on the basic factors, credit & DSCR.