As the first is planned to be completely finished by February (I am doing most work myself), is my thinking process flawed..bare with me.I am wanting to refi my first duplex purchase asap, I can do it after 6 months there was no seasoning on the original mortgage.

And useful as heck when making cuts on countertops or subfloors where your circular saw can't finish the cut because you run into a wall.3.Texture sprayer. 

My guess is wood panel "could" be cheaper, due to less labor in finishing.

It was beautiful when he finished.

its too late in the process to call the lender and beg.... you need a bona fide sale agreement or letter from a for real lender and they may postpone. in CA once your 5 days from the sale the bank does not HAVE to do anything by law except a FULL payoff you cant just bring it current.. that is the banks choice of course.. were up here ion Oregon and Washington we would bring them current at 8am the day of the sale when the sale was scheduled for 11am..

       Property management company I used to use was late renewing our license. 

How much money do you need to finish the rehab?

Thanks for the late reply and on a Friday night to boot!

I have finally finished and have a renter in, but what now?

No, I think by the time I finished writing that post, I was thinking "Forget it".