You could certainly "be in the right" regarding getting screwed over by the builder but this is a situation that is going to be very very risk for a hard money lender - typically stay away from unfinished rehabs/builds due to running out of money.Your best bet I would say is to find a local private money partner (maybe as more of an equity investor) or to try to finish one first and then re-evaluate, instead of trying to borrow for rehab on both

Might come out green overall but it’ll be close.bonus: if you’re willing and capable to do an excellent t STR, which I would budget a good $40k-$50k on the furnishing/design/decor (more if you are outsourcing it all) AND are putting down 20%+, you’ll be able to have a very positive cash flow asset.

It's a beautiful property with a pool, picnic benches, and grill stations,  on 1/2 acre in a great part of town.The appraisal shows that with the value I've added, there is significant equity growth.The issue is that I am having a difficult time finding a lender who will help me REFI out of my hard money loan.

If they haven't owned the house for 15-20 years (with a mortgage) then they aren't gonna have enough equity for you to buy it as a flipper.

If you rented it out, youd make 800 a month, or 9600 a year ( lets assume paydown of loan pays taxes and capex/repairs insurance etc, maybe its more or less you know the numbers not me ) So if you have 225k of equity and make 9600 a year your return on equity is only 4.2% , maybe less.

She is positive, support, never mad at people for asking questions or having a hard time.

Despite the property's substantial equity, the rising costs have put me in a challenging financial situation, as my monthly expenses now exceed the rental income.

We purchased this light sweat equity 2br/1bath located in Warren, Michigan with the full intent of making it an LTR!

Research  The wage rates for the positions you want to hire, in your area.

It might work on a deal with no offers or interest but even then, they're not going to advise you in a positive way.