Help me analyze my option

[Dane Silchenstedt]

I know very little so correct me if I’m wrong.

Hard money (HM) loan is usually 75% of ARV.

-so an ARV of 330k give us a HM loan of 247k if purchase price is 250k. Not enough to cover upgrades.

This is my struggle and why a proper ARV is so important. How do I get a strong ARV Prediction?

Traditional loan is 20% down and repairs out of pocket or some other form of home repair/HELOC loan.

-so 50k down and 20k repair, plus all the other fees associated with home purchase.

I’m trying to get through this in my head and see the right choice.

Is there a way to make this work. Facts: 3/2 layout, fiberglass pool, 1446sqft. Windows need replacement, upgrade flooring, upgrade kitchen, upgrade all fixtures and fans, and upgrade out side landscape