Contract PriceClient shall pay Contractor the estimated sum of $491,328.00 (the “Contract Price”)for the work to be performed under this Contract, subject to additions and deductionspursuant to any change orders agreed upon in writing by the parties, and subject to “allowances” as provided in the bid.Note: If the final cost of any item covered by the allowance is more or less than the dollaramount listed, the Contract Price will be increased or decreased by a written changeorder from the Contractor."

If you ask either company (that your refinancing with or drawing the HELOC with) and they should be able to confirm the time range in which you have to pull your credit multiple times without being decreased.

This would decrease gas bill.We could also add more insulation and possibly put in Honeywell app. controlled thermostats.Next, the lakefront unit will now be unoccupied d/t the owner is living here.

When they decrease the listing price and it continues to sit the on the market, people wonder if there's something wrong with the property.

Now I agree she is obviously going to alienate some people and decrease her rental pool.   

In my experience, they will decrease LTV but will still fund.

Risk increases somewhat, but headache decreases significantly. 

Why would decreasing that make it worse?

I sometimes think if they know it is rental property, that alone decreases the home value. 

Increase income or decrease expenses.