Hard lending money or mess with the bank ?

[Sharif Khalaileh]

Hello 👋🏽 Quick question my parents have blessed my wife and I with a house. The only thing is that we have to fix up the house. Which will cost $80k. Well I have a good friend that is willing to help me out with the money to fix it and then I have to apply for the HELOC loan bc a percentage has to be done before applying FIR IT. So when I receive the loan I will pay him back his money and his fees on top of that. Which is 20%-30%. The house is worth $160-$170. And on top of that I was trying to use some of the Equity to start getting into restate. Should I use this route or just mess with the bank and try to apply for a reconstruction loan??