pool surface with modern material maybe 25 years (old plaster lasted longer than the newer surface material). 

While not all are willing to cover the land costs (that is considered the borrower's "skin in the game") some can help cover the land purchase if the deal falls within their guidelines.

You can learn a ton from youtube to help you with basic surface maintenance.

John Warren, that makes a lot of sense for the other partner to have some skin in the game.

You now owe capital gains tax on $29k, which is the amount of money you took out that was above and beyond your "skin in the game."

You may be able to find someone to invest with you as an equity partner, but people usually like to see the person they're investing with have skin in the game. 

I say Yes than she say something change in thehouse I can't sleep, my mind is foggy my skin has tingling all over, I ask do you think is the new cable?

The surface on the old countertops has worn through to the substrate. 

A first position lender (the one that provides 75% loan) would not likely loan you money if you don't have "skin in the game", i.e. down-payment.

There are plenty of jobs where the work looks nice on the surface, but its either complete hack work or covering major issues.I'm still interested in seeing the inspection report noting termite damage, its a shame the OP deleted their account.