That way, there is some type of cushion to help against any high usage months, should they just happen to use more than your previous tenants did, or if you unfortunately get tenants who abuse the "utilities included" opportunity. 

If this isn't required, then most likely having the GC sign a completion guarantee to ensure the project gets finished and lender is not stuck with a partially complete asset is the case. 

I would include servicing costs of the loan and licensing costs.

It may be easier to include utilities in the rent.

The risk is not including due diligence caveats in your offer, like inspections.   

I know a few people including co-workers who moved out to Manteca and Stockton and do the horrendous commuteInterestingly there's been a bit of a comeback with San Francisco after people wanting to move out to the suburbs during COVID.

no one, including my score, is going to be much higher.  

Most hard money lenders require 10-20% down payment of the purchase price or total project cost.Holding Costs During Rehab: Yes, you'll need to cover carrying costs, including hard money interest, utilities, taxes, and insurance.

Quote from @Yaroslav Shtogun: Hello Community,I am seeking advice on the following real estate situation:I’m in the process of purchasing a double lot property (100x100 in an RS-50 zone) that includes a 1,200 sqft wood-frame house and a 640 sqft detached garage.

There is roughly $20,000 left in rehab including windows, floors, a new kitchen and bathroom.