Easy Street is good and they get the job done, but I will honestly say they can make it a very tedious and long process compared to other lenders.

What is your credit score I'm going to give you a quote from a hedge fund and see how we compare.

With the rate of inflation compared to savings rates, you're basically paying the bank to park your money there.Everyone's risk tolerance and definitions of a decent emergency fund is different though.

Understand a lot of improvements do not add dollar for dollar especially in 2-4 units because in a lot of markets (especially southern markets) there just are not a lot of comparable properties  for appraisers to use.

It depends on what you are looking for and what you are comparing it to. 

They may also not account for finishes, or budget appropriately for required permits.Try googling "Comparing Quotes and Proposals from Different ADU Builders" for a full list of what to look for (I can't link here because it's my own article).

And that is VERY painful for me to say because I LOVE HD, and go there for almost all of our rehab projects.However, if you are leaning toward the White cabinets, I would suggest that you compare to Lowes. 

Have you compared it to your competition?

Colorado Springs property tax seems ridiculously low compared to Austin and its surrounding areas. 

To keep things simple for this post, you'll find many more opportunities in the Indy market compared to Ft.