Why buy the cow when you get the milk for free?

I think i read somewhere that i could use any bank account of my choosing not sure how true that is.I live in the land of milk and honey, California.

Prior owner had milked it for 28 years with little going back into it.

Or cookies and milk?

Money Mustache would say I park it in a Vanguard VTI (United States).

Money Mustache, Choose FI, Afford Anything, and the Mad Fientist.

If you want a 'as you go' type of a payment, then break down the tasks to something like, depending on your tasks:demo complete XX$rough electrical and plumbing signed off by building inspector XX$drywall complete, building inspector sign off  XX$paint complete, cabinets installed, BI sign off  XX$final plumbing /electrical BI sign off  XX$final BI sign off on entire project, permit closed  XX$punch list complete, final payment, if done by XX date, $ XX bonus.Just FYI, I work a lot with a specific GC and actually pay him his cost plus 15%, but I also know that they get a good price, not milking it to get more off the 15%. 

It's made from plastic milk/water bottles.

Breakfast is usually a bowl of oatmeal with almond milk and a handful of blueberries.  

Otherwise, they will just be put towards payin down the interest.Most lenders probably won’t make it simple because you are essentially stealing their milk money, but ask around.