I agree with all of that. I could play advocatus diaboli on this topic all day long.
When we moved here we had already bought and sold two homes. When I applied for a mortgage here the banking industry was still licking it's wounds from the great recession and the additional regulatory oversight and overreaction that entailed. I got so fed up with the mortgage process I quit it. At one point they asked me who I sold a car to a few months prior. I'm not buying or selling cars and that's none of your business.
So we looked at every unpermitted structure in Puna that met our needs. Not because we were specifically interested in unpermitted, but because they were the only options we could afford without a mortgage. After seeing all our options, I went crawling back to the mortgage broker and told her who I sold our car to, and answered every other retarded question they had.
When we moved here we had already bought and sold two homes. When I applied for a mortgage here the banking industry was still licking it's wounds from the great recession and the additional regulatory oversight and overreaction that entailed. I got so fed up with the mortgage process I quit it. At one point they asked me who I sold a car to a few months prior. I'm not buying or selling cars and that's none of your business.
So we looked at every unpermitted structure in Puna that met our needs. Not because we were specifically interested in unpermitted, but because they were the only options we could afford without a mortgage. After seeing all our options, I went crawling back to the mortgage broker and told her who I sold our car to, and answered every other retarded question they had.