@Christian KimChristian, for conforming loans, you can get away with insufficient trade lines.

I had been looking at the key west, fl area, thinking it should get good year round use, with the exception of when there are hurricanes.

The appraisers are following the actual closings, so something that appraised low 3 months ago is now a comp for the new round of appraisals.  

Presently, it looks like large round bales of hay in the area sell for $50 or more.

One of my family members has offered to round up a couple others who have experience with doing the type of cosmetics needed at this flip and will not charge me any labor whatsoever.

Section E is the cost that the State of Florida charges you, can't get away from that one. 

. $225 for a round trip flight from NYC to MLI airport.  20 minute drive from there and you are in Davenport.

https://communityimpact.com/austin/round-rock-pflugerville-hutto/development/2020/12/16/elon-musks-the-boring-co-files-for-pflugerville-building/#:~:text=The%20Boring%20Co.%2C%20owned%20by%20Elon%20Musk%2C%20is%20expanding,B%2C%20Pflugerville

With sandy beaches and year-round sunshine, our beautiful city conjures up images of celebrities and tanned residents comfortably scattered in a suburban sprawl of roomy single-family homes.

Never do something just cause you can get away with it.