N I was stunned n immediately thot I was royally screwed.

Is there any Asian banks where you are, they have diff guidelines

As a former renter and a former smoker, I'm stunned that smoking is so universally rejected.

I was stunned.

I don't have a problem spending a bit extra on nice porcelain tiles and stylish looking finishes if I know it means I will attract more of a 'higher classed' tenant, and giving me a higher rental return.My renovation will take a month and I plan on:-Gutting out the flat, removing the carpets and parquet flooring Knocking down the wall between the kitchen and the lounge Installing new kitchen cabinets with a stunning island, AND A BUTLER SINK!

The sheer amount of bottles in the property is stunning.

Excellent.. your showers are stunning!

@Kevin Phu surprisingly no. we are seeing 50-65% return on investments here, lots of investors coming from Asian. 

I get that as well.. to most its seems like an unconscionable profit.. and by giving example like this we tend to delude beginners into thinking they can be as good as you ... when in fact your probably pretty accomplished and most beginners could not do anywhere nears as good as you.I get it with Hoarder houses I bought two this year with stunning equity in them.. but they were also filled to the rafters with crap and stunk so bad you could not enter without a bunny suit ..but homes that need little to no rehab and are bought for 100k under market.. that gets a little much in most peoples book.  

They looked at me, stunned, and said "we can DO that?"