I have thought about having some kayaks there and maybe some bikes. 

There are rules to follow!

Hey Andre,There are multiple HELOC products out there which can close fast (within a week) & are not based on Tax Returns etc. and will still take income as long as your friends income is getting deposited into the Bank account. 

@Alex Lee@Shawn Mcenteer is correct ... there is a directory of Certified 203k Contractors. 

Like you mentioned, the planter boxes were already there, the gravel walkway was already there, worn out, in need of work.

When we bought it, we made sure there were no leasing restrictions in the HOA rules.Now, we’re are notified that the neighborhood is pushing for new leasing restrictions, and it’s not just about Airbnb—it seems like they’re trying to limit long-term rentals as well.

Secondly, I have never known there to be a manufactured duplex. 

There are many ways to scheme a decent credit score though rebuilding closing acccounts etc. 

Quote from @Jason Munns: Is there a lender finder for Canadians?

Had some family live there last few years.