The thing is however, I toyed with the idea of adding a kitchen in the basement during the remodel and decided not to in the end.

When a lender says "no" ask how they get to "yes."

I have toyed with the idea of hard money on top of my cash reserves, but I've also been reading that everything is taking longer right now, which could throw off numbers completely.

I'm guessing the agent is looking for proof of funds just to be sure you're not toying with him. 

Paint damage    - Small scratches and chips from maybe a toy or something vs large areas where chairs had rubbed the walls blacks

Alot of fake stuff from china, toys, watches, powder milk, and now gold?

Many Americans—especially millennials—were already toying with the idea of buying their first house before the pandemic.

@ Eamonn McElroy Let's assume the business was taking modeling pictures of my son and his fashion or promoting toys etc.

I've been toying around with the idea of demanding to hold 2- and 3-month deposits after a string of tenants (especially long-standing tenants from former landlords that we have acquired) caused major, often even catastrophic damage. 

I consider property like this more of a toy to enjoy vs. an investment, but in this case someone is helping you buy your toy.