It is designed more for a high credit score delinquent borrower with negative equity not a defaulted borrower.  

Soft Cost = Architectural Design Fee, Permit Fee, Holding Cost...Hard Cost = Grading, Concrete, Rough Carpentry...and if you don't know what to account for, simply ask.this website is great in helping people find answers.Cheers.

P.S:You will want to discuss your plans for development with a architect/designer, and structural engineer, again in person.

People can have a wonderful "online" persona, but you can see their body language, guage their tone, and see if they can answer questions without googling it first before posting a response.

Thank you @Terry McCoyI wanted to just let yo know even though no body is replying to your post, there is someone using the information you provided. 

The first thing you need is to find a good architect who is an expert in designing multi use building and understand the development process.

I have a degree in interior design and have a small portfolio (including remodels), I've gone through a 10 week wholesale coaching program, reading real estate investing books, and listening to BP podcasts, so I'm not entirely naive.

Then they throw a character piece eg drop down designed lamp over the island.    

These scams are designed to target STUPID people.

Great website and you design the card.