You will find the folks here very friendly - in just a matter of days, I have felt the warm welcome already!

IMO, timing does not matter, they will just have to deal with the noise of plow trucks backing up at whatever time it happens, you can't make everyone happy all the time.

And I am not just looking at family as a matter of fact I think most of the world is not in the hml business...

They've learned because they've stopped complaining about minor stuff that doesn't matter. 

I encourage you to engage someone who knows about land development matters before you assume it can be easily (or financially feasible) to subdivide property and get all your permits and entitlements.

Doesn't matter what data I provided, they refused to accept it.

Know that we as lenders have our production measured based on closing loans, it matters not if it is a refinance or a purchase.

It does not really matter about how new you are to an area.  

However this amount can change slightly do to interest and legal fees that continue to accrue The bottom line is "Why does it matter"  how much is owed does not change how much the property is worth.

No matter when you decide to take action you are still going to make a few mistakes no matter what's.