Other cash such as down payment or money to fund your escrow / impound accounts (accounts that most lenders require for your property tax and homeowners insurance shouldn't be included in lender fees).

I have seen it in Arlington....one place super unusual, like almost two full houses on a lot that really should support only 1.I think your first step is to go in person to Planning and Zoning office...with your information and idea of what you want to do and see if they give you a warm or cold reception. 

I want to save money by doing most of the work myself on a renovation project I have coming up.

Disney area is not really a cash-flow market right now unless you invest a good amount of money into theming AND you knock it out of the park with that spend.They've been building these large themed houses by the literal thousands the last few years and there are a lot of them. 

) any ways , she gladly paid the app fee, filled it out on the site, had paystubs ( she is in the service industry) makes enough money no problem.

The idea that you can build wealth without putting any money into it is a recipe for disaster and the sales pitch of gurus trying to steal your money.

Why do you want to pull the money from stocks?

What I see is there are many people from abroad who just want to park money here vs their home country due to inflation or some other reason who are willing to take minimal returns in exchange for principal safety. 

Or is it better to wait out the seasoning period with your loan balance (I used a HELOC so no hard money lenders or balloon payments) and just refi out in 6 months?

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