If you cannot qualify for HomeReady, SECU is a fine option and as i said before, rates should be headed down and you should have plenty of time to refi into a 30 year fixed rate so long as you are able/willing to stay in the home for an additional 12 months after the refi.

Switching to a different market will not help, the issue is in your head: you have unrealistic expectations and/or a closing phobia.

Also, consider that home values will continue to decline at least until Jan/Feb of 2025 before there is any rebound heading in the Spring. 

Quote from @James Hamling: Definitions matter, and I think you nailed it on the head.

My guess is it will be headed towards commercial only because that is more common.Long term, you will probably be better off with a commercial zone.

I am an old head in the game and started before many forms of private or hard money lending existed.

Yeah, my problem with that is completely in my own head. 

I can tell you just from the heading of your post I don’t want your business.   

@John Bertolon For items like a shower head I would likely replace it.

We are looking at heading down to Ensenada to check out some properties next month.