As for the initial investment, I am working towards securing the necessary funds and am open to exploring various financing options that can facilitate this.Despite facing numerous challenges and setbacks on my real estate investing journey, I remain determined and resilient.

They had lots of options to reduce cost, they came in at $8k less than the first place, and I could knock even more off of it if I trench the new lines myself (the trenching and excavation prices were pretty brutal, I could hire it out for a fraction of the price). 

FCI, Madison, Fay, and a few others are servicing options. 

Note that the 15% down options of course have higher rates. 

I didn't see a location option for Ventura, County, CA, I hope that's not bad news. 

Around this time I discovered Bigger Pockets and a bunch of real estate platforms online.

What about LaZBoy is that a decent middle of the road option? 

It’s a short-term option, typically 12 months, that can provide the flexibility and funding needed for a $150K renovation.Here's why it could be a great fit:-No prepayment penalties — so you can sell or refinance without penalties.

I have seen loan products that will let you purchase a mixed use property to live in the residential unit, but that is a specific product and you should consult and expert to see the best option for you and your cash on hand.  

You may have that option, yes.