Appreciation sounds great, but try taking your "appreciation" to McDonalds and ordering a single bag of McDonaldland Cookies!

No disrespect here, I am not saying that your work is messy, especially without seeing it, but working in the business I can tell you that most drywall guys particularly finishers claim that any work that they have not done themselves is F*ed up “looks like a beaver to cut this board” and “did you spread this mud on with your face cause it’s almost as ugly” are two quotes I remember that don’t involve inappropriate comments about the size of the gaps in seams.I also agree if you are looking for perfection and to save time hire a pro, if not… try using the 20 and 45 min bags just mix what you can use before it begins to set and if it is very humid where you are working invest in a dehumidifier I couldn’t believe how much quicker everything dried; I was able to get 2-3 coats on a day, long days...if it is in the budget hire a pro.

Really that is the bottom line for the bank is, "what is this property worth if we are left holding the bag".

However at the end of the boom there were a lot of people, mostly novice investors, who were buying at the top of the market and they got let holding the bag.

That would leave me holding the bag for the monthly expenses.

Vacant land can burn you if you are left holding the bag.

And she spent all of the $50 on a couple of big bags of dog food--does that Dog Food belong to Sam?

Any backyard/deck pics you could snap to show where they can relax and enjoy their morning coffee/tea outside?

But they can be definitely a mixed bag and as it always is, it depends on relationships.

When you're lending based on the value of the completed project you don't want to borrower taking the full amount up front, spending the rehab budget on something else and then leaving you holding the bag with the only security as the un-rehabbed property who's value is much less than the loan amount.