You can also rack up a massive degree of fines.  

You would need to do a detailed write up of both you and your brothers situation to get any useful info from here.  

Quite a bit of equity built up.

Your cap ex will catch up with you.  

Wayfair has aesthetically pleasing options but I worry they are cheaply made and won’t hold up.

I had to look up what "variance analysis" meant.If I understand the question correctly, you're asking "What went wrong to not hit our 20% target?"

Better still, the recessed handle trim is visibly chipped (stands out as bad.) 

Build a team with all that time in the morning and and the time you have by walking up early etc. 

Since then, I’ve had a nightmare of items pop up Mortgage payment: 1,495 to 1,950 (home was valued at 100,000 on the county auditor to then moved to 210,000, the price I bought it)Loan: I have a 320 dollar loan payment that finishes up by next year for a tub and shower replacementWater: When I first bought the property, the bill was 250-300.

I have the private money lined up for the 25% down payment.