Windows would be my next check-point (less than R1) and then wall insulation: I would not be surprised if they have no insulation inside, but you can do blow-in, which only requires a small hole.A home looses heat in two ways: heat conduction (which you can slow down with insulation) and drafts, which in old houses is usually the biggest culprit.

Her recommendation made me loose confidence in her experience.

9) adding multiple ADUs or adding an ADU to a quad looses F/F conventional financing.

There are also horror stories about people loosing their property in Spain. 

If a stair comes loose, you may be liable.

The primary risks at this point would be       1) to your lender, the risk of a margin call.       2) To you; underestimating the true cost of a project and cost overruns      3) To you; legal risk of securities regulations if you partner looses money. 

. , I didn't want it to loose that tenant so simply i helped him to get " energy assistance" this is a program to help people out if they can't afford heating bills , I don't know if it is in your state so you my want to check this out.

When you do the math you actually loose if you finance.

And if someone tries it, without paying for classes or programs, they can either net a deal or loose X number of hours of their time trying it.

After I cut he and his now wife loose I sold the property for more money 30 days later after we they made fake jim.bakker promises for 45 days.