@Brandon Sturgill That was the most toxic, misinformed, broad-brushed statement of demagoguing, self-serving lies I've see in a very long time. 

I kept a soft communication and during a coffee meeting I provided real quotes from contractors.

But I don't think appraisal has been done unless it was a soft appraisal.

I’m hoping that replacing the roof, garage, and deck as well as brushing up the house will raise the ARV up to 130k and I can try to get 70 percent LTV when I refinance.

They said consensus across all the major banks was lower rates for a “soft landing” as growth slows .

I'm looking at taking out my first hard money loan and I'm curious if they typically do a hard or soft pull on credit since the loan is primarily asset based? 

My rentals tend to be C-Class (safe neighborhoods, but lower middle class), plus I'm in a soft rental market. 

Already looked at that just for rehab.The roof is new but soft in a few areas along the sides of the building.

I was led to believe that the term "hard money" refers to fact that the loan is based on the value of "hard assets", in this case real estate, versus a borrower's creditworthiness or "soft assets" such as brand recognition.

I thought I'd NEVER allow that, but once she passed, I guess I became soft and decided to honor her wishes against my better judgement.