The prob with putting cheap laminate over hardwood for the same cost is that you’re left with a fad less durable product and will be doing it again in a few years.

You want an advisor that can help you strategize and who is responsive when you want to know the consequences of the financial decisions you are making throughout the year.You should also look for a Fee-only advisor who is not going to sell you products just to get commissions. 

Link to volume 2:https://store.biggerpockets.com/products/the-multifamily-millionaire-volume-iiI don't know for sure how much is in there around underwriting....

Please consider factors like price, location, product variety, customer service, and brand loyalty.

(DO NOT DO THIS NOW) but the difference in production when I changed out the sofa, linens and provided exterior amenities was drastic.

If only I had the courage to put my name behind someone else's product.

If so I would look at leveraging an FHA loan product for 3.5% down on a duplex, triplex or quadplex (what some call a "house hack").

As far as picking your lender - You will want to make sure you work with somebody who not only understands your goals but has products that match your needs.

The product just has to be more marketable and attractive now.

Creative financing is much tougher when the underlying demand for the product is so white hot.