One time I had to use my knowledge and testing practices after a job, and that was because it was a HUD inspired low income grant job for a homeowner.

Was sold above the asking price                   within days of listing.High ROI: Achieved a 50% return on investment due to low renovation costs and increased sale price.Investor PerspectiveRecognized the potential others overlooked by seeing beyond the property's initial appearance andm aximized profits by investing wisely in visible, impactful areas.

-Loan bal is around $300k and home worth low $400s.

At this time I manage and renovate majority of all my units to keep cost low but most likely not the best use of my time although I'm skilled at it.

Occasionally I'll see properties coming on the market where the seller has a VA loan with a low interest rate.  

I had to redo a bathroom last year in a 2/1 in an occupied duplex I own and I spent $6,004 in labor and materials (10% off at HD/Lowes as a veteran, just didn’t do flooring and left the old vanity, doesn’t include the damage the leak did in the lower unit). 

Then the seller gets that exact amount for the property at times (it's a low percentage but it happens).

With other mobile homes when it comes time to sell and if I need the cash then I give a low price so that I can sell for cash.

R5 is a little confusing to me - "intended for low-medium density single-family detached residential development at an urban density of 5 dwelling units per acre".

This allows you to benefit from appreciation, continue building equity, and still access capital for new deals without sacrificing an ultra-low fixed-rate loan.Would love to hear what direction you’re leaning—lots of ways to approach this depending on your risk tolerance and goals!