However, on the Limited 203k, the max rehab limit is $35k, but the contractor pricing needs to stop at $30k because of the other soft costs that need to be added to the loan. 

@Mike Palmer where are you getting your soft cost numbers from(vacancy,repairs, and capex)?

@Kendric Ng I would call around to well known LOCAL banks and take their investment bankers to lunch or coffee and explain your goals and get their product offerings.

Rents are soft, prices are accelerating on rowhouses quickly, condos are flat. 

New CA State laws in 2020 allowed for a garage conversion or additional unit to be built on your lot up to 1/2 soft of current home or up to 1000sqft - due to housing demand.In my area, Santa Barbara County; these ADUS are popping up like crazy. 

We can easily determine the additional cost of electricity, gas, water usage, and consumables (paper towels, laundry detergent, cleaning products, etc.). 

It’s long been a soft goal of ours to someday own this building and restore this landmark as its been vacant for decades, but as previously mentioned we’re very green and are currently only just building out the SMF portion of our proprietary holdings.

The current mortgage was sold to Wells Fargo.My credit is pretty good, high 700's.  

Bathroom hardward (TP and towel racks) - mount to a 1x4 plaque that is screwed to studs. you can pretty much hang on it without pulling out the hardware. i use entry level granite countertops - stain resistant, and should last a long time. i put LVP through the entire house, bathrooms and closets included. its water proof and scratch resistant. while the initial cost is more than carpet, you wont have to replace it as often. i use Sherwin-Williams Harmony line of paint, in a semi-gloss sheen. the semi-gloss is easier to wipe off for small marks, and the harmony line has deodorizers built in. for exterior door knobs, i use the smartkey knobs from kwikset. you can rekey a knob in a few minutes - no need to pay rekeying fees anymore. last tip - figure out which appliances your market typically provides. in my market, its not common to provide washers and dryers, so i dont. thats one less thing to have to repair. 4. i dont see an issue with the gas stove. to convert to electric you will need to have a 220V plug, which could be costly to install if not already there. 

There are also "soft" second loans which are deferred until/unless you sell the house.