We fear the requirements of a subdivision, such as roads will not only be extremely costly but also damage some of the hay ground.

It feels like one requires the other...refi requires good credit...good credit requires the refi...Does someone have some insights as to how to do a home equity line of credit based on an appraisal and with a low credit score?  

There are investors who offer them but they usually oly offer 60-65% LTV/CLTV plus it required No income - just rents.

Developing property, especially with a trial-and-error approach, requires careful consideration.

But there are no laws or ordinances that require a buyer or seller to use one.”I’ve never purchased in an attorney state but it seems like something you could handle yourself or with minimal help as you know each other. 

And when small, starting up, a smart person outsources many of these functions but as biz scales so does staffing requirements. 

Especially for first time or entry level homebuyers...what is the point of 3% down if buyers will require another 2-3% out of pocket to cover their broker's fee? 

Generally, most people do not qualify since it requires you to do be doing more than half your time as in real estate related activities. 

Ordering payoffs and HOA docs also require time to process. 

I have a no animal policy (unless it's service animal which is required by law).