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Live from the headquarters of Ramsey Solutions, broadcasting from the pods moving in

storage studios. It's the Ramsey show where we help people build wealth, do

work that they love and create actual amazing relationships. Dr. John Deloney

number one bestselling author and host of the Dr. John Deloney show, Mental Health

expert relationship expert is my co-host today the phone number here is

triple eight eight two five five two two five that's triple eight eight two

five five two two five Michael is in San Antonio hey Michael welcome to the

Ramsey show. Hey what's up? Good to have you brother.

So a couple of things I finished FPU last week. Everything's paid off except my

house now. Good. So me and my wife have been working diligently for that. So we're

looking at moving out of the city we found about a little less than a hundred acres

we want to buy. It's a pretty good price. But we're hearing a lot of different

things when we talk to a conventional lender they're saying that we should you

know go ahead and do our construction loan and everything which bumps the whole

loan up about four hundred and fifty thousand dollars when we talk to just the

land loan there's like no I just do the land loan but you know know that your

down payment is going to be twenty percent maybe fifteen percent well and talking

with the friend we were looking at we're looking at all options so we looked at

a manufactured home option and at the manufactured home option which I'm kind

of shocked that these homes look as nice as they do but there's they have a

program where they will go into the landowner make a cash offer which is

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