Everything should be in writing...faucet swaps, toilet paper holders, hand towel rings, etc. 

My local go-to Wells Fargo loan officer did a cash-out refi on a 34k SFR for me on a property located in Wisconsin..  

At some point the peak will be reached and many will be stuck with things that will crush them.... which I know all to well about.

@Walt Dockery , I don't hate good trees, I just hate those soft wood ones.

I thought up a few more questions to ask the lenders and will start shopping around to find money lenders and real estate agents tomorrow.Any other advice for finding good soft/hard money lenders that you found useful in your area?

Nice guy but he relapsed and covered the heat lamp it the bathroom with a towel and left it on, started a fire, towel dropped and burned plastic tub, corner of cabinet, soot everywhere.

I have a soft spot for Toledo as that is where my mom and a lot of my family still live.

When I decided to sell this property & hired a real estate agent, he discovered that the home was in poor condition & wasn't able to put it on the market at the time.The roof had missing flashing on the gable but the entire roof was replaced by contractors hired by USREEB late 2016 as they insisted that it could not be repaired.The living room floor had soft spots under the carpet & the sub flooring was damaged.

To accurately account for it, you can include it in your soft costs for vacancy. 

I know this because we sat down and looked at her credit report in the Mint app (a soft inquiry, and yes I know it only gives data from 1 agency but I don't expect the other 2 to be vastly different).