-"light value add" won't cut it if you want to refinance and get most of your outlay back out. 

You probably know this already, but you don't want to put yourself in a situation where you are struggling to keep the lights on in the event that you put all of your equity into this home and can't take any out. 

Rooftop has amazing views of the ocean and city lights.

Poor lighting.

Yes you will need a permit. 1) you will need to add outlets on each wall as per code...and of course switches for any lights or fans.

Light Cosmetic: $25-$40 per sq. ft.

Now, if the borrower made payments for 9 months, defaulted again and you said you'd take 94,652, that's a horse of a different color.

There are many light companies to choose from here.

We do some cosmetic improvements to bring homes to our standard, typically carpet and paint, upgrade lighting etc.

I could ask him what today's date is, or what his favorite color is, and that's how he would respond.)