i officially said that this whole negotiating thing wouldnt get to me and i'd be able to do it easily.

FYI I assume you will probably need $7-10K still at closing depending on how many points they are charging you and what the rest of your closing costs look like.One more thing that nobody else has mentioned is the refi exit strategy.

I'd have a house on the cleared part of the land but the rest would be left to nature, though I might plant a few interesting trees.

Roth Solo 401(k) - you can maintain additional, separate 'bucket' under your Solo 401(k) plan where you could make after tax contributions, thus, investing tax free for the rest of your life.

I could rent it out as a single family, start a charter school out of it, or rent out one unit and use the rest of the place as an in-home day care as long as one of the tenants was employed at the day care...So they would let me put a SCHOOL there but not put up three walls for a multifamily...I live in a rural area and I do not see any other use for this property.

If you are taking out a loan for a down payment (either a line of credit or refinance loan) does that negatively affect your chances of getting the mortgage to pay for the rest of the home?

This is a hard question to answer without knowing the rest of your monthly finances income/expenses.

Maybe I flip mine upside down to me and be right side up to the rest of the world...

The title company will do the rest.

Doesn't line up w much and is out of character/ scale with the rest of the house.