@Bob Malecki I’m new at Note Investing (I would have ended up here anyway as I don’t like any other aspects of RE and I do sub prime auto lending) but you’ve been doing this a long time, is this a natural business cycle we just have to wait out?

You need to be able to document the improvements with receipts.There could be a "gift" aspect to this, too. 

I think I can help you out in some aspects.

I have seen incentives work more often than not in other aspects of my life too!

So she should work to find partners in all aspects - lenders, inspectors, surveyors, etc. 

This might help you zero in on what aspect of REI most interests you.

Another aspect which mitigate some of this risk is to really understand the contract language.

I am comfortable with the construction aspect, but working on strengthening my business knowledge such as taxes, arv's, etc.Thanks Cody.

They could reduce all title aspects, and then you'd pay a title company those fees.  

If you don't know where you're aiming then you'll never get where you want to be....I found this to be true not only with golf but also with investing and a bunch of other aspects of life.Set your target first and then fill in the blanks.