There is strong appreciation in this market with tech and manufacturing jobs.

It seems the people getting loans with lower down payments etc. are ppl with experience and a reputation or relationship with these lenders?  

I would meet with 3 reputable contractors off of google

You have no expertise to bring to the table, no contacts, and no reputation.  

.: •Curbio develops a strong reputation for quality and efficiency•Homeowners are attracted to Curbio’s ability to get things done efficiently, reliably and cost-effectively (no nightmare renos that go on forever)•Curbio continues to enlist realtors as strategic sales partners, by devising a referral commission program for them, to mitigate channel conflict•Curbio maintains sufficient decision-making control (e.g. project types; material & appliance options)•Homeowners are given sufficient preference choices within strict guidelines (e.g. color palettes; good-better-best options materials)But I suspect one of these two growth scenarios for Curbio might happen beforehand:•Expand current offerings to owners of rental properties•License technical infrastructure and processes to qualified contractors

Reno / Tahoe is not building out much because of the geography creating a supply issue over the next 2-5 years, there is strong tech, manufacturing (Tesla), and logistical job growth.

San Antonio has experienced steady economic growth, fueled by a diverse economy including sectors such as healthcare, military, tourism, manufacturing, and an overflow from the Austin market. 

Learn where to look for the date of manufacture and make the seller send you a photo.

Job growth and economic development in the area, such as the establishment of new manufacturing centers, will further bolster housing demand​​.Mortgage Rates and AffordabilityMortgage rates, which have been at two-decade highs, are expected to stabilize and potentially decrease slightly due to anticipated federal rate cuts.

Ultimately I am worried about protecting our business's reputation, the safety of our tenants, and having a viable rental.