(search her posts here on BP, look up her personal website/blog for the success story.Or here's three successes I enjoyed reading about...using BRRRR (Two did it solo as couples, One admittedly used a partner).....see if you get additional inspiration from their success of @Joshua D. , @William Collins and @Austin Fruechting did in 5, 2.5 years and 7 years, respectively, buy using BRRRR (Austin was also featured in BP Podcast #239)https://www.biggerpockets.com/forums/223/topics/459415-500k-net-worth-in-5-years-im-30-today?

I am in the midst of a mostly cosmetic rehab but with the addition of a new hvac system.

The insurance names the city as an additional insured.

Invest it in a syndicated apartment deal, and you might get a 6% preferred return ($5,000 per month) plus 2/3 of the additional profits, plus all those lovely tax write offs, plus another big kick when the property sells.

What this exercise might find is:- Contractors willing to communicate and go through formalities of estimating- How hungry the contractor is for work- Which contractors answer your exercise most professionally - Which contractors go above & beyond with thier answers and their own past example work/portfolio- Which contractors accurately estimate material and/or laborOf course if they don't or won't reply, it could also mean they are too good and busy to jump through your hoops -- so they could be great contractors as well. 

I need a small $100K loan for additional cost.

Additionally, the fire suppression system will need to be maintained and signed off every two years.

Feel free to message me here on BP for additional info.

Not a huge deal because I probably won't be selling it.Option #2:  Use the $33k HELOC I currently have and get an additional business line of credit or hard money load at a higher interest rate.  

You should refinance based on appraised value so find the bank that does this for you.Hence, my questions above regarding due diligence on real property value and additional ways to value-add to increase the properties value.I hope this helps.