Even if I had a different lender Hillsborough county in FL has a few things to say about being hooked up to the grid as well.
My solution is to take some things of the grid. My outdoor lighting has been the first to go, soon to be followed by the swimming pool, finally followed by the workshop. Things considered "temporary" can be easily disconnected from the grid without violating code or running afoul of the banks.
When I move here in a few years I'll try for 100% disconnected. If I don't move I'll be paid off in 10 more years and can pull the plug.
Contracting out the work would improve it somewhat, but it would still have metric chasing issues.
1x 9mm 124 grain hollow point $.27
1x 6ft deep hole in the ground $200
5 year minimum sentence in Federal prison for violent offender $150,000
If you can't see the money incentive distortion that creates in the market place then you are pretty much an idiot.
If ex-cons are suffering from recidivism you the public are doing it wrong.
Get to the gun range and get your grouping a little tighter and for God's sakes, even though they are more expensive these days, don't be stingy with those 100% effective anti-recidivism devices (aka bullets).
P> Look up BT in the dictionary and you'll get the definition of "truly godawful"
This is about money pure and simple.