They are good people and I’m not trying to rip them off....but also not trying to lose thousands and a bunch of time. 

I suppose you could rip out half of them and return them to a standard.

for me personally the only one I would trust to make a small business loan is my local commercial banker or credit union.even if they don't rip you off for advance fee's which is so common.. they never do end up funding.. business loans unless they are credit cards  are very tough to get.. if your getting a unsecured 500k business loanmeans you have at least 1 million in liquid cash and or securities.. 

If you are already doing a full gut remodel and ripping open drywall or plaster, then that is a great time to do this upgrade since you already have it open and accessible. 

It's the worst time to try and move right now with it being so cold, but at the same time I dont want her to feel like I'm ripping her off.

The know it alls that have zero experience in investment properties:"wait till the market crashes" (that was 3 years ago)"what are you an idiot""what are you thinking this place is a dump""This is what I would do"Then there are the supporters:"You got this""Its a great idea youll be fine""I cant believe your buying a house when can I come help rip up the carpet?"

I have been looking for brokers for a while and I found out (Broker A) is based on the 100% commission model, charges for errors and omissions insurance ($5 dollars per thousand) & I found out it was 20% out of th...

I sure wouldn't rip something off that can save or even make money for the buyer.

If you are paying 10% for property management in SoCal you are being ripped off you can easily get it for 8% or even 5%. 2.

(Haven't ruled it out).How do you go about finding people to lend to, make sure that the money is being used for what it is intended, length of time that they have to pay you pay, how much interest to charge, that you don't get ripped off or scammed, etc.