Now that I had chewed my own arm off to escape what was a prison (working at a job a disliked with a passion until I was 65), I had all my chips stacked on the table in front of me and here covid comes, a pandemic that essentially changed life as we know it in this country.

I also now have an even lower initial rate for an ARM as a second option. 

Seems like I should consider a 10/1 ARM.

Bad for keeping tenants at arm's length.

It took some arm twisting to get our realtor to put in the offer for $550k but it was accepted.

When I have subs, I supervise if I am the GC, but armed with an approved AND FUNCTIONING drawing, my clients normally don't see my job until it is substantially completed OR to accept the project.

Or, I really mean, what bank would do such a loan without that being very explicit in the deed of trust (or mortgage?)

Some "allow" it but only because it's not explicitly outlawed in current ordinances.

I know under certain circumstances they consider an arm's length transfer differently.

Also you have to explicitly file to join properties together two combined them to make 500 hours and if you don’t it’s 500 hours for each property