There is a 5/1 ARM floating at mid to high 6%. 

I'm also in Japan, and there several of us floating around BP.

The framing is most likely rough cut so the drywall will need to be floated, when the walls come down you need to upgrade the electrical since I can also bet the electrical is not properly insulated, you need GFCI by sink, you have to have an arc fault breaker on the bathroom outlets and switches and those need to be on their own breaker by code. 

This is an off-topic questions and would like to see what your thoughts are.I work for a company that offers "Floating Holidays" each quarter.

Gentleman, @Matthew Coates @Leland Banner @Thai Foo @Dick Rosen thanks to one and all for your responses. 

Sometimes we get a few together for a banner or some fundraiser and we each throw in $25 or something but it's voluntary.

There is also the option to get a fixed-rate home equity loan (2nd mortgage), however if rates go down you would have to refinance to take advantage of the lower rates, as with the HELOC it will float down automatically. 

I have $5k in available cash, $20k in available credit, a very respectable salary, a credit score floating around 800, and no debt but a car and house payment.  

The click-lock floating LVP planks cannot just be removed from the middle of a room.

There's still a lot of horror stories floating around still...tough to dispel them.