Since I know how to turn a wrench I am going to do almost a full remodel myself with the help of my father.

IRS 590 also explains this.5) When you receive a distribution or otherwise get paid back, never take personal control of the money.

RELATIONSHIP WITH YOUR ADVISORS 🤝Good QIs:Work well with your teamRespect professional boundariesCommunicate clearlyStay in their laneRemember: The best QI relationships are professional, not personal!

Upgrades include a fully remodeled kitchen, renovated bathrooms, new durable flooring, contemporary fixtures, and efficient heating and cooling systems.

Either way, $600 in cash flow should actually help your personal DTI if you go for conventional financing on a primary again. 

Caution:  Personal credit card financing is a huge risk and good luck finding 0 percent interest today.

Are you building for pure investment purposes or are you looking to use some of the space for personal/personal business use?

Or a personal loan if interest rates aren't cost prohibitive?

Quote from @Sara Valentine: I have rented my personal home as a fully furnished/lots of amenities 3 month rental jan, feb, and march the past 3 years.

You have a freelance job and you can qualify as REP I sharing this from my personal experience.