Some packages genuinely improve property performance, while others might feel excessive.

There will always be room for improvement, might as well keep learning.3) Take ActionMy mentor taught me this very important idea “Say Yes.”

Everyone thinks they can paint but there's a big difference between a professional paint job and a non-professional one (the latter usually actually damages the property instead of improving it). 

Even if such a loan existed (which I doubt), once Vincent self funds all improvement costs, finance charges, carrying costs etc., I doubt he's any better off.

If you can’t find something with significantly better returns, holding might be your best option.Alternative to sellingIf you’re hesitant to sell but want to improve returns, check if the current rent is at market rate.

There’s huge retal income potential if you nail that balance between improvements that wow tenants and improvements that merely look fancy but don’t justify higher rents.I’d also keep an eye on how your high end plan fits the local demand.

Specifically, under a properly structured Trust the following limitations will apply during the period that the property is held by the Trust: (i) the Trust cannot raise new capital; (ii) other than in the case of a tenant bankruptcy or insolvency, the Trust cannot renegotiate or modify an existing loan nor can the Trust refinance or enter into a new loan during the period that the property is held by the Trust; (iii) the Trust cannot renegotiate or modify its existing leases or enter into new leases other than in the case of a tenant bankruptcy or insolvency (in the case of a Trust that adopted a master lease structure, this limitation applies to the master lease and not the underlying third-party leases); (iv) the Trust cannot reinvest the proceeds from the sale of the property; (v) the Trust cannot modify or improve the property other than undertaking normal maintenance or minor non-structural repairs; (vi) the Trust cannot hold its reserves other than in cash or short-term obligations; and (viii) the Trust must distribute all of its cash, other than cash held for normal reserves, on a current basis.

Centralize your back office / use remote employees / VA where appropriate to cut costs and improve service levels / responsiveness.  5.

My suggestion to improve your cash flow is to find another bank/lender.

Have you contacted the Zoning Department to review the survey and ask what your subdivide options are with the existing improvements?