There was some chitter chatter about them expanding their footprint to a few other counties (they only lend on real estate within their specific county footprint of business), one cost of that would have been no longer being able to offer that HELOC (I guess the HELOC is a good "gateway product" to get new checking/savings account customers, new car loan and wealth management customers, you get the idea).

I'm going to make a list of questions and sit down with the lender and hammer out the details so I fully understand the product.

I don't know if this is specifically the case with Chase, but some banks and credit unions have subsidiary appraisal management companies collecting that appraisal fee, so that would be even better for the bank if that is the case.The other garbage estimator websites, like Zillow or Redfin, do the same stuff, but are aimed at bringing business in the door for their primary customers -- real estate agents (you, the person reading this, are the product being sold).

They will probably want you to put it into production sooner rather than later, though.  

With an answer like that, I can tell you're probably not sophisticated enough for my services.

supercheapsigns.com Great products, user friendly and pretty quick turn around

If you've paid your debt to society, shouldn't you be allowed to become a productive member of it?

There's only some much time to devote to this stuff and when your schedule simply has no room left you have to carve out the ones that appear the least lucrative or productive. 

Variables that impact production (lighting, co2, pests) are more easily controlled in an indoor environment.

I'm asking why would a bank give a construction loan to someone that can't afford the final product?