What is the best and most affordable property software available without breaking my bank? 

We put an offer on a bank owned property and after a few counter offers on price, the bank accepted.

We would like to know of any experience the members here may have concerning international online banking (1st internet bank).  

Given the market right now, would it still be a good idea to bank on appreciation and cashflow, or is paying off the loan a better option?

We can finance the build which we find is ideal for the bank doing the construction loan, they just take us out when the modules arrive onsite thus relieving their headache of how to secure their loan to a non-real estate module sitting in a factory somewhere.Feel free to message me and I can help you analyze this further.

However, my bank won’t finance the other 80pct without a signed lease with 1.2pct DCR.

What date did the bank receive the funds?

I am assuming they paid what was due but I understand loan mods don’t have to be recorded so there is a chance they worked something out with the bank and they may have a larger loan amount than implied in original deed of trust.  

I don't think it's smart to accept a counteroffer and bank on the inspection and appraisal reports to come in and allow for a rescinding opportunity. 

If on branches, and other vents on those branches work, then see # 2 above.Fourth -- based on what you've written, your building is no doubt a hopeless money trap and you would be better off just mailing the keys to the bank and moving to Lapland for a career in reindeer herding