In my mind I could validate either way for a 50-50 split being that having money and the expertise you still don't have a deal so by me providing a deal that could be as equally beneficial.

So since you are so far away to be able to validate the information, you are being given, you must ask yourself - who owes you a duty?  

So do you think missing out on market gains and compound interest by borrowing against your 401k is a valid concern?

Do you provide a written warranty, for all labor?

Usual rule (by lenders) I've run into is if it is a MAI-certified appraiser (not a BOV) they see those as valid for six months.Unfortunately, COVID is blowing lender's minds and they are making it a lot harder to qual or raising rates.If you can, I'd let the COVID stuff settle out and lenders will come back and you'd prob get a better rate than today.

. $128,700 ON 05/08/19, Sale price is total for 3 parcels, Warranty Deed, 19048063.

Agent paid for a home warranty...and I closed on the property and rented a pool pump the next day...two things I had never done before.You're on the right path.

However, in order for the mechanic lien to be valid, they need to file paperwork within the (your state) legal period.

Forgot to ask, who is left on title if you did a valid quitclaim?  

They may have a valid reason for their price - even if it seems crazy to you and me.