@William HinscheThe most expensive items I’ve seen are:Structural ItemsRoofsFurnace/Air ConditionersLead Paint or any environmental issue

Are you changing the footprint of the shower or is it  just the same size and shape that it was?

Has anyone purchased or sold a property with DPS (Downgradient Property Status) filed on it, because of environmental contamination from an upstream property?

Obviously there are many variables like impact fees, permitting, soil/environmental fees, and well/septic if needed all above that $120, but that should give you a start.

Could probably use savings and max out my credit cards and liquidate other assets and maybe squeeze by, but, it would leave my financial footprint looking rather sloppy and in rough shape when it comes time for refinance/next purchase.

 $2mm for concrete roads, $1mm for water sewer,  $1mm for underground electrical and fiber, landscaping $200,000, signage advertising $40,000, realtor 7%, now do 3 acre footprint of buildings $20,000,000, add on interest of $3mm over the life of the project,  engineering $500,000, surveyors $100,000, permits $200,000, dirtwork $200,000, etc etc  With the above cost and exposure unless you have a background in this no one will loan you the moneyLet’s say there are 150 units.  

The previous owner was making so much cash flow from his old part that he didn’t care about the $5000, or the environmental impact.

LVP is apparently an exception.Lumber Liquidators may be an option--haven't ordered from them in years, but if you've got a smaller footprint, or just a few rooms, you can probably get everything you need same-day at Lowe's.  

The second problem here that I've encountered with lenders that are willing to underwrite multiple parcels as separate to loans - two of the buildings are studio/small 1br cabins with footprints of ~500sqft.

Oak Valley Community Bank is slowly growing its footprint into the Sac area, with a new branch coming to Roseville soon.