Obviously you are a minority - based on my anecdotal experience. 

To switch from the Electric trucks to petroleum based trucks.

Larger capex investments like new roof or windows can be scheduled based on your cash flow position but need to be addressed rather than just pushed off.

.  :-) And after speaking with another lender, it's confirmed a log cabin based on the heat source and their lending guideline. 

it's possible but unlikely. a great CPA who specializes in REI will be able to help you plan AHEAD for tax time and use different pieces of the tax code to your advantage, based on your unique situation, and ultimately save you way more in the long run. would you rather pay $750 to have a return done & get a $5,000 return, or pay $30 to have a return done and owe $5,000?

If I'm off base here, let me know and perhaps I can look at this another way. 

There is a big difference.Social Services to me means section 8 housing vouchers, food stamp existant, and other welfare benefits.Social Security (whether you agree with the program or not) is based on repayment of money you earned while working and supposedly placed into a trust for retirement.

She is not based in MA but doesn't need to be.Paul

Review your construction draw agreement in the executed loan documents.

Fortunately I can facilitate all the improvements at cost but is it realistic to think I can draw a higher end renter that is willing to pay above market rent to live in much nicer appointed home?