How working without a clear scope of work and a basic understanding of residential construction project management, as @Frank Geiger mentioned, just a vague idea that you're going to begin at the beginning and end at the end, makes it even worse.I started on a very small, limited flip, a basement efficiency apartment.

You're basically asking the HOA to rewrite the CC&R's on your behalf, and that's not going to happen.

From there, you basically have larger markets in Philadelphia, Pittsburgh, and Allentown.

There’s no one size fits all of course but I’m looking for something basic to tweak and build off of.

The property price is higher, but with the lower property tax, I'm basically making the same monthly payment as my current primary resident in Ohio!

Obviously that secures my house to the loan, but it would basically keep me from draining my savings account to throw in a 20% down payment.

We can't get another mortgage to move out of the commercial building right now, and year lease rentals are basically non-existent in our area (at least ones that are the size we need).

If it's not, it's possible the client has Basic Form, which excludes Theft. 

I have another 40 acres optioned 160 plus lots and I only have 100k into it controlling a 4 mil property to buy and 8 million value when ready for build out.. so that's a pretty sweet use of 100k.. 100K tieing up lots are worth 140k each so basically right now 100k controlling a 20 mil at lot value and another 10 mil in build profit.. 

Do I let it go to voicemail so I can get more details, or will that basically give up the lead?