So, this latest lender - of whom I filled out all kinds of paperwork for and sent it in - called and asked for a half dozen more documents.  

OKKKKKKKK.

But I was out and about, didn't rush home for that.  I originally went out to get breakfast, I ended up driving up and down the street where I bought one of the properties at tax sale and looking at square footage.  They told me at the city I would have to build a house that is at least 1,100 square feet.

Yes, that's small, but I was going even smaller.  600-800 square feet. Like a mini home.  I took pictures and wrote down street numbers to look up square footage, but from guesstimation, I'd say more than half the homes on that street are 900 square feet and less - a few much less.  

Take the mobile, manufactured or modular home equation out of it, simply look at the square footage.  But, there was a newer looking modular home that couldn't have been 800 square feet - and that is a generous guesstimate.  This guy from the city made his decision from the house across the street from my property.  He said it's 1,150 square feet. Oh? And the house next to it?  Around 700 square feet.  

I'm going to look up the square footage of at least half the homes on that street - big and small and in between.  Then, if I am right about my guesses at square footage - I should be pretty close on a lot of them - I am going back to this city dude and show him the facts of what this street consists of.  There are 2 mansions on the street - it's an odd mix.  Those houses must be 6,000 square feet each - and that's a conservative estimate.  They are absolutely huge and beautiful properties.  And next door to them? Old houses, falling apart, or old houses not falling apart, but old and small.  

There isn't any reason on earth the city should deny my request to put in whatever I want, really, ,as long as it meets city code requirements for being a habitable structure. My goal was to put on a small structure and put up a rent to own ad.  $2,500 down, $600 per month and figure out how long the loan should last by the amount of money spent on the structure and profit.  I did buy these properties for profit and I don't feel bad about that at all as long as I'm not taking advantage of people.  It's a small property to begin with.  

After going to the store for dinner stuff, I came home, took photos of signed papers I had to print out yet again, dug up other files and sent them off.

Now awaits the period where they do their research and determine whether they want to loan me money or not.  

I kind of think I can take it as a good indicator if they refuse me credit that probably all of the credit unions will do that as well.  I'll try a regular bank after that and see what they say and then - we are back to square one.  I might have to consider at that point if this is really meant to be, or if there is a pot of gold at the other end of this rainbow, I just have to go through the effort to find it.  Because honey, I have given a lot of time, travel and energy to just finding property.

There have been no new listings in the last week I think it is.  The house with 20 acres is already under contract.  Lol.  It was listed too high anyway, I don't want that high of payments, but it was intriguing.  

Well enough of this, time to do house chores.