Think on things like the property's quality, prospective value, and desirability to tenants.Making use of an FHA loan with a small down payment is a wise choice.

Investigate your choices for financing, such as FHA loans, which sometimes have lower down payments.

It is sometimes appropriate to give the tenant a choice.

I would give them the choice.

If you are looking for standard finishes/cabinets - amazon/wayfair/HD/lowes has plenty of choices.

As far as the providers go, check out the posters links in this and other SDIRA thread  who are "providers" or "professionals" - they are not allowed to outright promote themselves, but a lot of the ones providing answers are some of the great choices out there in who can help you with this.Good Luck, Dan Dietz

Is it a choice  I can make or there is any law that I must accept regardless of benefit or not?

Paying off debt does not make you rich.You did not give enough information to assess whether adding a bath is the right choice, but let's assume you are correct.  

I started offering the choice between the two about 8 years ago, now everyone chooses a move in fee. 

Hopefully this is not some news to you, but sellers are no longer having to pay buyer agent commissions, now is a Choice, which might be confusing, but there is nothing to worry about. still, it doesn't change the fact that to maximize profit, it's wise for sellers to offer a buyer agent commission, attracting more qualified buyers to the listing. and for buyers, the main change is the need for a few extra forms and agreements before viewing properties.