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My husband and I ran into a similar problem when we had our big addition/remodel. What my husband did was contacted both the bank and the appraisal company and showed them our building plans and asked that they base the appraisal on the prospective build out. The bank worked with us. The residential lending officers actually visited our home on three separate occasions to ensure that we were in fact upgrading the home to the level we proposed we would, understandably they needed to ensure their money was going where it should be. So about midway through the project they increased our construction loan by 25,000, and 3/4 into the project they gave us the final 40,000 they agreed to lend us. This was still about 25,000 shy of our desired amount. In addition to our discussion with the bank, we sat with the contractor and asked where we could cut some corners. He offered us the opportunity to do some “homework” throughout the project which included cleaning up the work site at the end of the day ourselves and preparing the area for the following day, drilling holes in the framing to save a ton of time that we would normally pay the electricians 125 per hour to do, and the biggest savings was painting the house ourselves. You may not have the time or desire to do this much hands on but I gotta day not only did we save enough to complete the project, but we came in under budget enough to furnish a few of the rooms. Best of Luck!

opaone- Not sure where you live, but those economics don't apply in most of the areas I'm familiar with. One of my daughters has seen the market value of her 1930's home increase by about $500K in the last 5 years. Another daughter just bought a 75 year old house -- that has not been remodeled --- for more than ten times it's original cost...and it was a bargain. My first house was a 1950's suburban rambler that I bought for $45K in 1974, did some remodeling to, and sold for over $700K 15 years ago; the buyer started an update, but decided to sell 5 years after that for $1.3 million, even though parts of the remodel were only half done. My neighbor across the fence paid about $400K for a 1960's split level 8 years ago. He has done nothing to it other than paint the exterior, and expects to be able to sell it soon for at least twice what he paid. Some people do want new houses, but many people prefer the charm and building material quality of older homes. As long as they have been maintained, older home values keep increasing over the long term. I have been through more than one market cycle where my home lost value on paper, but it's always more than recovered. In fact, I've always lived in the suburbs and have done much better with buying and selling homes than any other thing I've invested money in. I'm sure some suburbs decline, but, in areas with decent economies, suburban homes still increase in price as young people are priced out of the urban market. They seek out these homes as their longer commutes make them less expensive than a similar house close in. The lower suburban price doesn't mean the houses are falling apart. I agree with you on the trend for people to want things close by and not have to drive as much, but those types of communities and infrastructure are starting to be built where I live by savvy developers who have figured out where our aging demographics are taking us. And these types of projects, while they may not have all the amenities of living right downtown, do offer an alternative to the grittier aspects of big city urban life. In fact, we have good friends who just sold their beautiful downtown condo with spectacular views to get away from noise and panhandling, and move to a home in a nearby suburb where many things are no longer within waking distance, but the living environment is more pleasant.

It is very hard to get funding for construction. I am an architect, in a not popular company in Florida. I always wanted something more but it is hard to get up in this domain without experience. I am getting a lot of orders and I need to make the best project to approve my building. I spend nights in a row just to make the layout of the building. I try to make my layout impressive so I always to it very big and tall. Sometimes I can use Mi tower hire just to finish it. The size of the layout can impress the investors and choose your project to become real.