I recently had some water damage to my personal residents and need a lot of work done to get everything fixed, such as kitchen cabnets hardwood floor and counter tops.

Refinishing hardwoods is different than laminate and there are different kinds of laminates.

Lenders want to know if both have stone countertops, jets bath, hardwood flooring but does not care it is engineering or gleam wood flooring …..

In truth, we went over the existing tile and engineered hardwood in the living room, dining room and kitchen to save money.

This is a program where 1st time home-buyers who make at or under a certain % of the area median income (say 80% or less for example) qualify to apply for the grant, certain banks receive grant funds so you would need to ask your bank if they participate in this programRehab costs: $40,000 (lot of sweat-equity)Appraised: $385,000NEW PITI $1785/month: Refinanced into a loan of $260,000 ($325,000 with 20% down, 30 year fixed rate portfolio loan @ 4.375%) and pulled out $61,000 ($260,000 minus $191,00 owed on old loan minus $8000 closing costs) I could have taken out a higher loan (due to the appraised value) and received more cash-out $, but I wanted to be conscious of what my new PITI would be and make sure I could cash-flow going down the road.DetailsBefore Renovation- 864 sq ft - 3 bed 1 bath ranch style home, , attached 2 car garage, 1/3 acre yard- Purchased foreclosed for $220,000 with a 30 year fixed rate loan @ 3.875% - PITI $1385/monthI worked with my local bank to build in renovation funds into the actual loan, where I would pay to have work done to improve the property (new roof, heating system, flooring, etc) and the bank would inspect the work then release funds to me to reimburse for the cost of each repair as they were madeAfter Renovation- 1278 sq ft (finished basement added 415 sq ft)- 3 bed 2 full baths- Appraised Value $385,000The first 6 months in the property was spent doing new roof, heating system, refinishing existing hardwoods (hidden under grey shag rug), new SS appliances, new paint inside and out, finished basement (added another living room, office/bedroom, and full bathroom)For the refinanceI was quoted by my local bank for a 30 year loan a 4.875% interest rate. 

I redid the kitchens with new appliances, redid the hardwood flooring, put in new electricity, new lighting.

Replacing carpet with vinyl hardwood, interior and exterior paint, replace A/C unit, minor concrete work etc.

Similar apartments nearby are around $2000 a month, but they aren't like ours- ours is a top floor corner unit, hardwood floors, new appliances, overall it's much nicer than other ones, plus utilities are included, unlike other places.

purchased 35,000 reno 40,000all in $75,000 (in 1983)After a bunch of upgrades including for a 2nd time new kitchen,baths,hardwood, roof, landscape, etc. 

That looks like either true hardwood or engineered wood.