@Marcus Clouse Most lenders want the building permit issued to fund a loan for vertical improvements.

There’s an observed increase in sales volumes and a moderate appreciation in house prices, coupled with a significant interest in affordable housing in the search data.Opt for cost-effective updates that improve structural integrity and aesthetic appeal, such as new fixtures, fresh paint, and updated kitchens and bathrooms.

This will decrease your Debt-To-Income Ratio to be more favorable with banks for loans and will improve your credit score as you mentioned. 

Do not over improve but don't go too cheap when the area calls for higher finishes. 

I would aim for something that needs minor work, just cosmetic improvements. 

I have been investing in Toledo, OH since 2009 and owned 2-12 unit buildings and find they are way too hyped (read lots of guys from BP want to pay too much for them) and the reality is residents in Toledo are ultimately seeking a house with a yard and a garage so as soon as a resident improves their financial situation they move into a house.

There are DSCR lenders that do not have a seasoning period to use the new appraised value, however you will need to verify work was completed to improve the value of the property.

I've already stopped cash bleeding in all areas of my business over the past 45 days and I am freezing all improvement projects and released some existing staff.  

If nothing else I take responsibility for that and will work to improve our communication systems between our franchisees, client success and sales team that's valid.

Aunt A, sister of parent A, helped co-signed to improve the chances of getting the loan approved and made no monetary contribution.