We had to do a panel upgrade within 3 months of buying the duplex, but it was something we planned for during the inspection & property analysis.

The left panel has info on Total Value (the most recent assessed value) and Home Exempt. 

Install something like beadboard or white plank paneling directly over the popcornOption 1 I definitely don't want to do, option 2 is doable but significantly more expensive than option 3 or 4.

Then again when away on vacation I did get smoked by another HVAC company for $2300 to replace a 40gall electric HW tank with a new dedicated circuit to the panel.

For instance, what is labor rate to install LVP flooring, installing interior doors, installing windows, interior painting, installing Romex, installing electrical panel, removing PEX plumbing and running new, removing trash, installing cabinets, installing counter tops, installing tiles and more.

That usually means a new electrical panel, new circuits, cutting/splicing water runs, heating ducts, etc. 

Upgrade to a 200 amp service with large capacity service panel, and run circuits as per your local codes. 

For instance, what is labor rate to install LVP flooring, installing interior doors, installing windows, interior painting, installing Romex, installing electrical panel, removing PEX plumbing and running new, removing trash, installing cabinets, installing counter tops, installing tiles and more.

I can tell you firsthand - we missed opening up the electric panel on my most recent purchase.

Demolition panels, building the walls, insulation, electrical outlets, move the gas line, install tankless water heater, build awning, along with other things to fix the house.