Freddie Mac SBL (Top Markets)Loan Purpose: Permanent Financing (Refi & Acquisition)Loan Proceeds: $1,000,000 - $7,500,000Loan Sizing: 80% LTV; 1.20x DCRAmortization: 30 YearsLoan Term: 5 / 7 / 10 Years (Fixed); 10 / 20 Years (Hybrid ARM)Partial Term IO: Available @ 80% LTV; 1.20x DCRFull Term IO: Available @ 65% LTV; 1.35x DCRRate Types: Fixed & Hybrid ARMRate Lock: At Loan ApplicationNon-Recourse: Non-Recourse w/ "Bad Boy" CarveoutsPrepayment: Greater of YM / 1.00%Rate Buydowns: Up to 2.00% Assumable: Yes - Assumable LoanCash Out: Yes - Cash Out AvailableFANNIE MAE SMALL LOANSLoan Purpose: Permanent Financing (Refi & Acquisition)Loan Proceeds: $1,000,000 - $9,000,000Loan Sizing: 80% LTV; 1.25x DCRAmortization: 30 YearsLoan Term: 5 / 7 / 10 / 12 / 15 / 30 YearsPartial Term IO: Available @ 80% LTV; 1.25x DCRFull Term IO: Available @ 65% LTV; 1.35x DCRRate Types: Fixed Rate Lock: At Loan CommitmentNon-Recourse: Non-Recourse w/ "Bad Boy" CarveoutsPrepayment: YM; 3 Mos. @ 1.0%; 3 Mos. @ ParRate Buydowns: Up to 2.00% Assumable: Yes - Assumable LoanCash Out: Yes - Cash Out Available

Here's a breakdown based on your examples:Carpet, Vinyl Flooring, New Toilet, New Vanity, New Tub: These items are typically considered assets because they are permanent improvements to the property that provide lasting benefits.Plumber Labor for remodel: Labor costs for installation or repairs are generally categorized separately from materials.

It might not be a permanent solution however it does keep things organized for a temporary amount of time, if needed.

@Frank PatalanoI was able to get that home because I used a VA loan, and also because I have a 100% total and permanent disability rating with the VA.

The city council is faced with a tough decision; make the emergency rent control permanent or not, or implement alternative strategies.

Yesterday, my lender texted me and said that my job won't list me as a permanent employee when she ALREADY knew my situation and knew that I was a contract worker.

Yesterday, my lender texted me and said that my job won't list me as a permanent employee when she ALREADY knew my situation and knew that I was a contract worker.

Hello- i need some input, i bought a house that does not have a permanent light fixture in the living and dining room.

Stuff like that cant be unseen - if something unfavorable is discovered, it's permanent. 

As for the permanent upgrades, can the LLC cover and write off items that are considered a repair or upgrade, like painting and flooring, or new AC or hot tub?