Upon "googling" I see where some folks include Debit Cards as not having to send 1099's, but I want to be certain.A lot of contractors lump their labor and materials together.

This includes all the tools and knowledge to help potential client’s make informed decisions on their new builds.Beyond guiding us through our investment journey, they also have always offered additional market and property analysis to give us a deeper understanding of the real estate landscape, helping you succeed with confidence.

@Arthur Savery, This can be a great game plan called a diversification exchange. 

For example, incorporating energy-efficient solutions and smart home technology has been a game-changer in similar markets, especially when paired with features like office spaces that cater to remote workers.As for potential add-ons, corporate housing partnerships are a brilliant suggestion!

I have spreadsheets filled with material lists for every phase of the build that includes pricing for materials as well as labor, and sources that I use for them.

However, I noticed that as a Costco member, they also offer HVAC services, including the same product line (Lennox), along with a 10% Costco Shop Card if you go through them.Has anyone here used Costco for their HVAC needs?

This is a common theme across the country with many municipalities enacting similar restrictions including where I am located in Philadelphia. 

This included modernizing the kitchen with high-end appliances, upgrading bathrooms with spa-like features, and adding hardwood floors for a luxury feel Lessons learned?

Down payment of $13K including reserves sounds pretty low to me . ( Based on Maryland )

That is an upfront game plan with numbers that should be somewhat fail proof if done correctly.Lastly dont forget that 85% of people who take out a HELOC end up doing a refinance within 3 years to consolidate into one loan.