Hope this helps but please make sure your lender knows about contractor approvals, the way bids work with the appraiser, how the draws are performed, who needs to sign at closing (not just you), and how much contractors can receive up front.  

In either case, that person can not subsequently claim their property has been stolen, when another person comes along and picks it up. 

Any work that the buyer does, and subsequent increase in equity, is their benefit, not ours. 

Intrust is on the higher end of cost and down payment, but they are fast and have the easiest and fastest draw process of any HML that I've seen. 

Its continuing to look like back to architects drawing board...

You will have an attorney draw out the contract and open an escrow account to have the payment send to.

The strength you can draw from a supportive, loving community can be enough to push you to greater heights than you can ever achieve on your own.

I would honestly get with a local real estate lawyer to help draw one up.

the HML have entered the space about 3 years ago. and I am sure a big enough player could get a Hedgefund family office type of arrangement.. although I have never really seen them competitive with best bank rates.and those guys including HML set up their draws etc exactly like a bank and frankly are more clunky than banks. 

Depends in what you are trying to accomplishSome people try gift baskets but many owners say it adds nothing to their bottom line but expenses if you were not upscale I would not be doing the gourmet coffee maker. trampolines, ladders (bunkbeds), swimming pools and a few other things can be Insurance nightmares. hot tubs can be a draw and also a turn off.