The bathroom and kitchen were replaced.

Wife and I both have an 800 credit score and plenty of income with a 19% DTI ratio. 2) Do you recommend that as a first timer I actually do go with a higher down payment product as I learn?

They focused on renovations that appeal universally.. think updated kitchens and bathrooms - and kept meticulous records of their expenses.

They usually tend to lipstick it with carpet,paint, changing door knobs and kitchen knobs, new ceiling fans etc. 

We put in two new baths, kitchen, and a nice landscaping package.

I'd sell if I were you. 1) I don't like HOAs and certainly not for STR or MTR 2) the numbers don't make sense for you to invest in a big kitchen/bath renovation 3) it doesn't look like it's appreciating very well.

If the home is 100 yrs old, I'm assuming it's a definite gut which is going to require new plumbing, electrical, heating, cosmetics.I spent about $140K reno on my multi family in the heights on NY ave and there were massive problems with it but it was a gut to 3 units & adding 2 bathrooms, 3 brand new kitchens 4 bathroom reno in total, all new flooring, sheetrock , insulation, framing, doors, electrical, plumbing, paint, parts of roof etc.

Planning to start a complete home remodel (interior/exterior) on a home (currently 837 sq ft), kitchen and bathroom bump out, and add an additional bathroom. 

Hi Rae,I know programs for 10% down for first timers but 0% down would be pretty difficult.

The lender has a duty to track their loans and recorded documents are notice of the change in ownership.The most serious problem is when a "kitchen table transaction" is used and not-recording the deed is used to intentionally hide the transfer.