Hate to be the dissenting voice here, but if you fully disclose that your child would be occupying the property you might run into some trouble with the non-owner occupancy that is usually required with a DSCR loan - your child falls into the category of immediate family and many undewriters would assume that if your child didn't pay their rent, either you wouldn't evict them or you would pay the rent for them, which then affects the cash-flow on the property level, which then affects the DSCR. 

This program could certainly be beneficial for house hackers, but on a policy level, it’s likely throwing good money after bad.

Every time that happened we increased our savings by 75% of the difference and our spending by 25% until our spending hit a level that we were comfortable with. 

Replacing the vanity itself is very straighforward - find your studs, set the vanity in place and shim and adjust it so that it's level and plumb, and then use cabinet screws into the studs to make it permanent.

There are all sorts of "levels" here on BP. 

People of all investing levels are invited! 

There are more factors to consider here but from a surface level, it seems your $ will go further in another market or perhaps locally with a different property type (i.e. small multifamily).Lastly, I like @Andrew Jennings Freerks' point regarding claiming hardship or another workaround for keeping your unit as a rental.

So, you should be looking to understand the labor and material costs.Material is usually easier:Anyone you hire will need: drywall patching materials, sanding blocks & paper, primer, paint and the corresponding paint rollers and brushes.Labor may depend on level of skill:How long will it take to prep, patch, sand, prime and paint?

Basically, take out an FHA loan for a multi-family, get 20% equity as fast as I can, and then do it again.I would look into buying an owner-occupied cosmetic fixer upper in a great area that will experience steady appreciation and rent growth.

What a person calls oneself does not directly reflect on their level of expertise or how great their advice is.