Then I donate the toilet to the local Habitat for Humanity Restore for a tax credit.  

As a public service I'll share my pre-biggerpockets experience with one of these "100% lenders" I attempted to use one of these lenders, Quickfunding LLC out of New York.

We have been flipping houses mainly and started 1 1/2 years ago.We are up to house #15I recently bought our first multifamily -  3 family in West New York, NJ at a Sheriff forclosure auction.  

Hello Matthew, Yes we also lend in New York.

You might also qualify for the de minimis one that you mention since it is line item amounts 2,500 or less.I don't see this as strict adaptation, and nor would it be betterment or restoration.

@Ben Freed I would recommend reposting this in the Upstate New York forum.

Born and raised in New York; I have been working for a contractor for a few years now and have owned my own exterior cleaning business for 4 years as well.

However, lately, I've been researching co-living and short-term rentals, and I believe the property would be more attractive with a restored pool.

Done a couple of flips, currently working on one that I’m considering to brrr it’s a single family 3bdrm 2 bath.and hoping to get a multi unit next. we are very skilled in the construction end (have a hardwood floor business) new to the nuances of rentals especially in New York State .

Check your state laws as I'm more familiar with New York.