. Extend half wall to match hall. Install bar island (12 inches) on half wall. Install two pendant lights above the half wall. Install new tile on kitchen floor, including floor cement board and tile. Install new appliances (refrigerator, range, microwave, dishwasher, and garbagedisposal). Run dedicated electrical lines to the refrigerator, range, microwave, dishwasher, and garbage disposal. Install faucet and cabinet hardware. Install all necessary plumbing Install backsplash. Move outlet from behind range to more optimal location Install GFCI outlets within 4 feet of each other along counter space.o At Least two dedicated lines – all on GFCI breakers and at least one GFCI outletper circuit Install dedicated electrical circuits as follows:o Microwave: Dedicated 20-amp circuit (12/2 NM wire with a ground).o Garbage disposal: Dedicated 15-amp circuit (14/2 NM cable with a ground).o Refrigerator: Dedicated 20-amp circuit (12/2 NM wire).o Gas range: Dedicated 120-volt, 20-amp circuit (12/2 NM cable).o Dishwasher: Dedicated 15-amp circuit (14/2 NM cable with a ground).Bathroom Demolish existing bathroom elements. Install new cement board on floor and tub surround.o Seal with cement tape and red guard Install new fan, light, mirror, vanity, and replace toilet lid. Remove old tile and install new tile. Install new hardware and replace any old drain and supply lines. Install niche and tile from bathtub to ceiling. Install new bathtub and GFCI outlet. Light and fan on same switch Install all necessary plumbingLiving Room Install sliding door board trim. Install spot lights. Install 3-way switches in the hallway, living area and staircase (where marked). Install new air vent covers.Hallway/Staircase Install 10-inch LED light. 3-way switch (one near kitchen other near bedroom) Place laminate with Metal bullnose Install spotlights over staircase and one at landing at the bottomo lights on 3 way switchesBalcony Paint railing. Replace lightBedrooms Install spotlights in bedroom (up to four per bedroom). Install new fan. Spackle, sand, and paint. Paint closets and shelving, ensuring proper installation of shelves. Install spotlight in walk-in closet.Outside Paint stair railing. Install or repair 2 doorbells. Install or repair 2 exterior lights.Materials Included Cement/hardy board, drywall material. Granite slab for countertop and bar. Kitchen sink (D shape). Setting materials (thinset, grout, drywall tape, red guard, etc.). Baseboards, door, and balcony trim. Plumbing materials (excluding fixtures). Fastener screws.Total labor cost: $13,000

To be more granular, the note rate on FHA loans tends to be a little better than most other options given a set of loan variables.

what type of loan you looking for?

15.99% for an unsecured loan in this environment is more than fair.

DSCR loans specifically can be pretty FICO score sensitive. 

Our issue is income on papers too low to qualify for the an FHA or traditional loan.

If you're a schedule C filer the TCJA may be extended beyond the proposed sunset here in 2025.

The landlord has no interest in the personal property coverage, but they absolutely have an interest in the liability side.When the landlord is listed on the policy as "additional insured" it extends some coverage from the tenant's policy to the landlord in case of certain liabilities arising from the tenant's use of the property, like accidents or damages caused by the tenant's negligence.

This seems ridiculous to me considering that's almost 40%-50% of the loan we are seeking.

It is very time consuming to get permit approvals and you may be in a position where you need to extend, pay fees, etc.. when your loan is past due.