I’m reaching out to this group because I’m in a bit of a tough spot and could use some help.

That was another part of this "sweet spot" since I am moving away from Alaska for mental health reason and therefore to optimize my remote work environment and I will be 100 miles away from my first FHA, I was able to find a lender that would give me a second FHA.

(Rather than sell them and build 4 new models and parking spots.)It really shouldn’t matter?

I have all my numbers nailed down and that quote spot on.  

I was just checking out a great vacay spot I like (Cape Cod) and its a milli for a house.

Your instructions were spot on!

There is an apartment building adjacent to it, and this lot would make an excellent spot for another. 

Rezoning may work if the property is right on a residential/commerical zone boundary, but probably won't work otherwise as it would be considered spot zoning.Use variances are very difficult to get because you have to show the property cannot be used for its currently zoned purpose.

Given equal interest rates, the first position HELOC strategy will put you in a better spot financially than keeping the mortgage. 

@Nathan Gesner Spot in - I’ve asked the same question in several forums (give me an example of a successful lawsuit where proper insurance didn’t take care of it) and no one has been able to provide one.