@Corey Huston,Sometimes it's better to ignore than to engage - or even acknowledge.

Shows of course, how ignorant I am.In Canada, no more than 5 mortgages with 1 banking institution. 

I NEEDED to cut out the ignorance in my business of building quality properties; so I cut out my clients.

Even ignoring compounding, just triple the 10% return nets you an extra 800K

Lenders tend have appraisals  that come in  lower to cover their a....If you do one that  comes in high they ignore it and go with theirs some times they will budge to your higher number.

@Neil Hunter  First, no one can predict what the market will do, so ignore what Zillow says. 

Second, to tell her to walk the dogs someplace else ignores this situation.

Your fear may come from not having the right knowledge and being afraid to appear ignorant - screw that... ask the questions.

I thought they are not making a big deal because as long as we can pay they will ignore about the status.

Deed restrictions are good to know  but realize that there are many developers who ignore the deed restrictions which can devalue your property.