The deal sounded good at the beginning but thought it included his fee and it didn't so he's tacking on his 20% on every bill. 

Good luck getting your asking price - sounds like a great project.Have you looked around to see what kind of inventory is available for your next purchase?

I was thinking that the very thin hard carpet could serve as a sound insulation layer, and just installing click together LVP right over the thin carpet and the thin hard stick on tiles. 

Louis (though I was born in STL).This sounds like a great property.

For me - my two cents are no amount of innovation can replace sound underwriting and valuation practices.Curious to others thoughtsI have nothing to say that you haven’t already most eloquently stated.   

Quote from @Cari Sweet:  This sounds like a case for Fair Housing- Familial Status discrimination. 

It’s generally better to pay taxes, especially if it’s preferential LTCG treatment and make a sound investment with cash that remains than defer and make poor investment decisions. 

These experiences shape my growth-mindset and value-first orientation, ensuring I bring a unique perspective to every deal.Personal Insight:As a father of six, I understands the importance of balancing family values with sound investment strategies.

Sounds like, from your perspective, this type loan would not be best for my situation. 

I have attached 2 bell curves showing all 5 properties.