Before committing their time and energy to your development, they will likely want to see evidence of your personal commitment to your education and development.

Let it cash flow until a developer takes you out for a valuation beyond MHP norms.

If they start talking about needing to develop a "relationship" with you, make sure all your funds are secure and you have a button closing the pocket your wallet is in.

I've seen some wacky government takeovers -- businesses that have been there for years, still employing and making profit, forced to sell because the new shopping center that wants in might make more revenue there.

Typically, there is a Master Condominium Policy on the entire development that the HOA pays for (with your dues money).

I have some foreign national clients who have used it to get developments off the ground.

The tax revenue and presence was supposed to revitalize AC.

They never installed backing underneath and over time stress fractures develop.

But developing a relationship with a smaller bank is definitely the approach to take.Hope that helps,- Tom

If you are on the cusp of approval, a mortgage officer will do everything they can to help you develop a strategy for the fastest results because they WANT you to be approved so they can make money.As far as the credit lines with your husband, can you at least close the accounts if you can't get yourself removed?