Here it looks like the trade off for the guarantor is just risk of default which seams very low if it's stabilized at this point. 

@Remington Lyman, can you e-mail me your list?

To get better pricing you should drive by construction site and ask the different trades for their number.

@Lynnette E. - thanks!

Of course, there are costs associated with moving, just as there are costs/trade-offs associated with financing with less than 20% down.That bit being said, did your lender talk about using a FHA loan? 

After exchanging emails, I was told that they failed to execute the payment agreement document, therefore, the money is due paid in full now..  

Just Fill Schedule E with the property address ?

Originally posted by @Lynnette E.

But for most owner occupant homeowners, a significant part of not most of their wealth is acquired through 30 years of ho,e ownership.  

@Russell Brazil appreciate this Russell so trading a possible issue for a definite issue.