What I recommend is that you find out what approximate costs are for big things like roof repairs; cabinet, and countertop replacements for kitchens; new appliances for a kitchen (dishwasher, fridge, stove); new laminate by square foot, new hard wood by square foot, carpeting, tile; new light fixtures; new door hardware, plumbing hardware; new doors, for front doors and interior doors; interior and exterior paint, by square foot usually I believe; retiling a shower, new sink, new toilet; new HVAC; new windows (per window);Then take all of this info (and don't forget to include the installation/labor costs, because a buyer won't be happy and will lower his/her opinion of your business and abilities if you don't include actual costs.

Lowe's will deliver, but not  hook up a gas stove.

Also what concerns me that the tenants do not pay heat or water they just pay for electricity in their apartments and the gas for stove.  

Wrote on another post about mice in stove.

When you can tell that a stove it too hot to touch by another guy burning his fingers you're way ahead of the game.10.

Excess cost $2000Appliances for kitchen were estimated at the usual $1500 for all stainless steel stove/oven, micro, and dishwasher.

I'm worried that my lender will be concerned because there's appliances and a stove up there.Is it a possibility to convert my 3rd unit into a legal rentable unit?

You might have to remove the stove or something to be legal as on 2 units, not sure what the regulations are for that where you're looking.

Pointing out areas of the business that are critical and wise choices need to be made can help many others avoid the mistake.I hope that you are able to obtain the financing you need so that some bridges can be mended and fewer people feel the pain of this experience.

If your idea of a real-estate agent is Vanna White going room-by-room and pointing out the stove, shower and closets, that isn't what happens.