I was about 5 days from closing on my first place (an up/down duplex + cottage)...when the lenders (a typical residential / investment lender) said he would not fund the transaction...because the appraisal came back saying that it was a "raised mobile home" - and they don't fund mobile homes.It wasn't obvious that this was a mobile home by sight - apparently it was just the foundation of the mobile home that was used and then was re-finished (new siding, new roof, etc).  

I would say about all you could do is remove the old system and open up walls and then refinish for were the new ducts will go.

New bath, new kitchen, stainless steel, quartz, refinished floors, parking pad, can lights, LED, new blinds, some new windows, curb appeal, etc. 

Clean carpets...often Im recommending refinishing hardwood floors.

Please reply with anyone you've worked with and was happy with their results in the following areas of work:Framer carpenter (I need a wall cut out to create a counter top bar between kitchen & dining room)Kitchen/Bath Cabinets (refinished on one wall & new ones installed on the other)Tile (shower surround and kitchen back splash)Granite Counter top installationPainter (paint full 2 br/bth condo, all walls & ceilings, framework, & possibly fireplace and cabinets)I appreciate your help in advance!

The roof is 9 years old, windows are all new, and the small cosmetic fixes I was referring to was mainly just painting and refinishing the floors in 1 unit.  

After pricing everything out, I'm going to try to make my dollar go further by doing things like replacing window glass instead of getting new windows and refinishing the tub instead of getting a new one.

@Shawn Torsitano Are you able to refinish laminate floors if they are damaged, or would I need to go with hardwood that is stained/urethaned? 

I plan to refinish them and save a few bucks because I budgeted for vinyl plank flooring that I was going to install myself. 

So I have a three unit with a basement that was previously used as a daycare center, so it is technically refinished.