Just my nature... 

Usually this type of loan would be made on the properties where the purchase plus repair cost does not exceeds 80% of ARV.Almost always, lenders want you to have a skin in the game.I do not know if this helps,Good luck,George

I have FINALLY got some skin in the game this year.

Your monthly interest only payment only computes loan being 210k, what about the 90 they are putting in, and what happens to your 20% skin in the game?

If its the former, then you'll have learned an expensive lesson that tenants need to have skin in the game in the form of a deposit to ensure you get your property back in good condition following move-out.

They have more skin in the game then you do.Make sure you get clear title.

Some vinyl planks also have the "click lock" mechanism and they install just like laminate or engineered wood.Even many high end condos in Manhattan are using vinyl planks now, don't let the term vinyl fool you, some brands are 3 times more expensive than hardwood floor, eg: the AMTICO brand cost about $10 per sq footThere are more affordable ones and look and feel just like natural wood floors, check out Allure vinyl planks on home depot.Something to consider....BTW, I love hardwood floor for the kitchen , so good choice :)

It's human nature.

By nature, the square footage of the urban abode is significantly less than a similar priced suburban or exurban dwelling.In 1920s a complex called Tutor City was build in Midtown Manhattan near the East River.  

(hint: it didn't even require a tool) There are times though when it makes a lot of sense to let the professionals do their thing - I will install fans , electrical outlets , toilets, garbage disposals, shower heads and other menial tasks  - but when it comes to outdoor ( high voltage) electricity , large trees, A/C work, and things of that nature  - I let the pros do the work.