A permanent repair, have to address the reason it rotted in the first place of course.The labor cost is the same, I know what product's I'd use

If the repair process requires painting the whole thing, which it may need to look good- I'd optimistically put the lifespan of a professional/specialized 2-part (epoxy or urethane) tub/surround (or tile paint) etc- paint job, with above average prep work at ~3 years.. a "high quality" tub respray like this will cost just as much as a brand new tub, and touching up/blending a spot repair is specialized, expensive work as well. but yes I agree with the other replies either way -(unless, *perhaps* there is already easy access from behind etc to get to the repairs and inspect flooring etc without taking tub out)- it makes sense to rip it all out so you can address any potential water damage, and overall there is no reason the resulting new unit shouldn't cost aprox the same ballpark as the repairs .. and new of course will look much better with a much longer lifespan. 

I completely understand where you’re coming from, and I appreciate the opportunity to address these points.Be CautiousIt's wise to take a step back and evaluate any program carefully before making a financial commitment.

You can do this by getting call lists from sites such as PropStream or driving for dollars, writing down the addresses, and looking up the owners in the public database.

For your LLC’s, Who do you use for your Register agents & Virtual Address’s?

Depending on how strict they are, they could make you tear them down or at least bring them up to current code with inspections.You might want to go down to the Building Dept (or call) and ask (without giving an address) what they would recommend.

Consider all the things that could go wrong and see if the lease addresses them: unauthorized pets or tenants, early termination, security deposit, lease violations, late rent, eviction, lawn maintenance, parking, etc.5.

I have to address this infinite returns talk. 

If there was any miscommunication or lack of support, we need to address this immediately.Next StepsPlease reach out to me directly so we can resolve this issue.

There are plenty of other legitimate lenders available.After this post I found they had an address in San Francisco that had a bank website that was identical with all the errors.