DIY REHAB ARV vs PROFESSIONAL REHAB ARV

[Daniel Kevin Lara]

Now i dont know if the title even makes sense but let me break it down some.

so is there a difference in the ARV when refinancing when you DIY your rehab vs when you hire out contractors who specialize in this field?

cause my question is when you're going to refinance what exactly do the banks look at? Like do they ask for receipts of who did the labor making sure its someone who is certified to do the work etc? Or do they go off of just the upgrades and the updates that you added to the home weather it was done through a contractor or DIY'd?

hope this makes sense and TIA