If you don't like what they say, Call the next guy until you find the right product for your needs.

We installed new more wind-resistant windows for the entire house, install a tankless water heater to accommodate the new jacuzzi tub and new bathroom and then we had to drywall all the ceilings, finish the kitchen, furnish new appliances, flooring, the framing and stucco for the new addition, sandblast and stucco the entire building to match the new stucco, filled about 6 40-yard trash bins before the project was finished and installed all Thermador products including stove $7,000, refrigerator $7,000, dishwasher $3500, Stove hood about $4,000 and we had to remove several trees and a few small structures to grade the rear of the property because behind the rear of the house was a steep hill prone to having a flash flood.Can you break down the $18,000 per day to remodel a bathroom by just changing the fixtures, painting, and a little tile?

When you start playing at making yourself more productive in “game mode”, it’s a lot more fulfilling.

Nonetheless, having the ability to shop for multiple loan products rather than being restricted to a limited amount of offerings via a direct lender is best in my opinion.

If you still with one bank, they might not have the right loan products for your deal.

You have to make a decision about what your ideal end product is.

Okay, I've got this other loan product which is backed by the Federal Gov't (the portion below 20% anyway). 

These lenders close faster, less docs/headaches [usually] and are where many investors prefer to go.To take it up a notch, if Cash-Flow is your primary concern and the name of the game, then there are also options for Interest-Only, through a 'Hybrid' term product.

HelloOregon leads the nation in lumber production and in developing a mass timber industry - more info on mass timber in Oregon here https://oregonforests.org/mass...Are others seeing growing in interest prefab and in "impact" investing in real estate?

It also depends on the physical characteristics of the basement, as others have pointed out - fire egress, ceiling height, window size, etc. all matter and affect whether the city will allow the occupancy.