@Jorge Vazquez we stopped doing signs over 10 years ago.We had a separate phone number on our signs, so were able to track traffic & applications from them.We were getting more & BETTER leads from our online ads then the signs - so an easy choice to stop using them (also time & money savings).

This money gets added onto the back of the loan kind of like a VA funding fee does. 

The lender did everything wrong in this situation and now are paying for it.Now they are trying to sell the loan at a slight discount (oh did I say its a 0% interest loan and they jacked up the UPB of the loan instead of adding interest) - again another rookie mistake. 

Interior PaintingScope of Work:Paint all walls, ceilings, and trim with neutral high-end paintUse two-tone color scheme for added eleganceEstimated Cost: $10,0005.

 (3 convention units +  3 ADUs) * 3 lots = 18 unitsIn general adding one ADU is not a good investment because there is no more expensive residential development than a single, small unit.  

Other things such as adding bedrooms, bathrooms, square footage justifying permits.

For added context, currently renting, no debt (aside from a car loan with about 25k left).

Quote from @Mary Peale: May I ask which amenities you added that you believe contributed to a revenue boost? 

The issue I see most is the cashflow gets crushed by HOA fees and the added headaches of having them tweaking rules etc. 

For this reason, it would be prudent to not overleverage yourself in this type of environment in order to wait and see where rates do end up falling, as there is consensus in the market we are moving into a falling rate environment, the exact timing of when rates will be falling is unknown and different scenario analysis should be added to underwriting refinance periods to be sure the project is sustainable if inflation resurges and a refinance is delayed.