., except instead of enlarging the monthly payment using these extra 25% you didn't put as dp, you do it once)

When we added a bedroom to our house my electrician was able to do that without the added expense of a new, enlarged, panel.That kind of problem is just another reason to not purchasing a residential (1 to 4 units) multifamily unless that special low down payment is part of the reason you take advantage of that you might need to get started. 

Complete dress up of the exterior; Enlarged the upstairs deck with the monster views.Added a 'Margarita Bar' off the kitchen/family to take in the nightly sunsets.Remodeled two bathrooms, some new wood flooring, new paint throughout.What was the outcome?

I reviewed three years of financials pored over the expenses.

I have thought about poring cement, making a 6” or so tall deck, or just using small rocks for the whole thing.  

@Josh CalcanisI've been poring through the zoning guide PDF on the City of Orlando site, and I can actually shed some light on those mother in law suites regarding zoning.I'll paste the relevant info from the PDF below, but from the looks of it, it is OK to get those small out dwelling type buildings permitted as long as you follow a couple guidelines regarding their size, the lot size, etc.22.

So the added expense of a high end camera is not real worth it for us.The phone is compact, always fully charged, always with me & it does take excellent hi res pics that I can enlarge on it & has great video.

Downstairs: gutting and opening up the kitchen, adding a dishwasher, gutting and enlarging the main bathroom and gutting the 1/2 bath, enlarging the master bedroom closet, adding laminate floors and new paint.

The funding can in turn be used for a number of uses including acquisition, construction, enlargement, improvement or equipment.

I feel your pain, some helpful hints are rinsing with cold water first to close the pores before more fiberglass gets into your skin, then soaking effected area in warm water and epson salt.