CONSTRUCTION LOAN EXPERIENCE???

so you end up paying interest on your sprinklers for the next 30 years?

no thanks

i dont know what the O.P. is talking about here, but if it is something like an RV pad, or sprinklers (or a lean to, im putting one up as we speak) i think the age old "dont buy it till you can pay for it" is the way to go

now, i understand sometimes you need to get something done in order to peek a place habitable, but to roll those costs into a 30 year mortgage seems like a poor investment

I agree here. It is the same as buying a brand new car and getting "lifetime oil changes" "fabric protectent" "undercoating" etc tacked onto the loan, so you can pay interest on all that crap, you don't really need. Most do it because hey it's only another $10/mo.