If the repairs are structural in nature I would need to get a 203 loan. 

Though my guess is online banks only do bench top. also know that banks almost universally want heloc appraisals to be conservative due to the nature of the debt (revolving) 

@Simon Stahl First, you did not quote Paragraph 6 of Regulation D of Rule 501 correctly: "Any natural person who had an individual income in excess of $200,000 in each of the two most recent years or joint income with that person's spouse in excess of $300,000 in each of those years and has a reasonable expectation of reaching the same income level in the current year;"If you make $220k per year, for the last 2 years, and you marry someone with no income, that does not mean that you are NOT accredited now.

It also limits their ability to accurately represent the true nature of the risk and rewards to investors. 

The investors doing a very large portion of the deals are professional in nature leaving lower risk of default or collapse. 

Naturally, I had to work with a real estate agent and someone that took care of my financing.

Laminates are man-made planks that are arranged to look like the natural hardwoods.

(For requests that are of a cosmetic nature and are not required, you'll just have to learn to say "no".) 

They don't care where the money comes from (except drug money etc naturally) they just want the full amount at closing.

Investing (markets/capitalism in general) is a natural process and the most efficient way to manage the supply and demand curve and the allocation of resources.