You need to come up with another $33k (plus all the various associated closing costs, etc blah blah blah).I'm swapping between windows here, but that's what I see on first pass. 

But I was told: "when swapping out or replacing like for like, no permit is required".

You can take the parts from a 20 year old unit and swap them with a new one.

Once you identify the individual, pay a visit to the dealership towards the end of the month, and go for an "even-swap". 

If you want to do business travelers or medical professionals who do job swaps, then that adds a different facet to the plan.If you think you will be doing this with a property manager, then you need to crunch some numbers as a PM will eat up all profits pretty quickly.

It's not a short-term hard money loan, but basically a conventional mortgage that swaps out your personal income proof for the projected rental income in order to get you qualified. 

After my first two years, I had three credit cards - two that I swapped back and forth between using regularly to pay for basics like gas and food, and a third that I held on to for big expenses (car repairs, plane tickets, etc.).

Here is the Cleveland Water rates table: http://www.clevelandwater.com/customer-service/water-rates/rates-feesI would also recommend swapping out the toilets as many old toilets in Cleveland are 1.6 or 1.9 gpf.

She wants to either move the toilet from one side of the bathroom to the other, OR swap out the vanity for a pedestal sink.

Windows should be in good shape, but I wouldn't swap well maintained single pane for dual, ever.