You have to get contractors to give you actual bids. 

Risk Mitigation: Highlight how you’ll mitigate risks, whether through market research, contractor selection, or conservative estimates.Philly B Class Areas:Since you're targeting B Class areas, which typically have stable rental demand but may need some renovations, a structure that combines monthly interest with a lump sum at the end may appeal to lenders.

I always enjoy your posts which get me thinking and will be commenting in your note discussion tomorrow.

Does anyone have any recommendations for a good contractor who can remove the tree roots underneath my driveway and repave the concrete?

Get a third estimate from a contractor you trust. 

I'm always eager to learn and enjoy meeting new people and talking about real estate.

I enjoy helping and making sure investors avoid costly mistakes.  

This team consists of an Investor Focused Agent, Lender, Contractor, and PM.Read this article on the "core 4".

btw anyone else enjoying Trumps debate:).    

With that being said, I am a local lender in Baltimore so have some vetted contractors I could introduce you to if the renovation route is something you want to look into.